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Disclosure Statement
Aidan Francis Cassidy (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2009
AFMA Core Accreditation 2008
AFMA FX Accreditation 2008
Graduate Diploma in Business Studies (Finance) 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1991 and has been providing investment advice since 1991.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Financial Services Institute of Australasia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Alexander David Sinton (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 64 9 309 8500
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2009
New Zealand Diploma in Business Studies 1996
Associate Australasian Institute of Banking & Finance 1996
Australian Financial Markets Association (AFMA) - Certification in FX & DCM
2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1983 and has been providing investment advice since 1983.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Financial Services Institute of Australia, the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Allan Mark Omeri (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Post Graduate Diploma Business & Administration 1999
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1986 and has been providing investment advice since 1986.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Amanda Pipe (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 269 439
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Major in Finance & Accounting)
1995
New Zealand Institute of Chartered Accountants 1999
AFMA Diploma of Financial Services 2008
NZFMA Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Chartered Accountants of New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Andrew David Chapman (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 472 1446
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1988 and has been providing investment advice since 1986.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Andrew Kenneth Carrington (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Laws 2002
Bachelor of Commerce (Finance) 2002
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2002.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Andrew Malcolm Mackinder (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Po Box 1790, Wellington 0800 805 777
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Finance) 1999
Accredited NZX Associate Advisor 2004
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2000.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the NZ Exchange Limited, Securites Industry Assoc. relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Andrew Robert Allan (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 471 0860
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Bachelor of Science 1987
Bachelor of Commerce (Honours) 1989
Fellow of the Institute of Actuaries of Australia (FIAA) 2002
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1991 and has been providing investment advice since 1991.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Fellow of the Institute of Actuaries of Australia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Angus Gavin Stewart Taylor (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Major in Property Management & Valuation)
1991
NZ Stock Exchange Diploma
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1996 and has been providing investment advice since 1993.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Anna Fitzsimons (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street Wellington 04 802 2000
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majoring in Finance, Economics) 2007
Bachelor of Laws 2007
NZFMA 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Anna Margaret Dick (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 03 364 5331
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Bridging course 2009
NZFMA Core Accreditation 2009
NZFMA FX Specialist Module 2010
Bachelor of Commerce (Accounting) 1999
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2004 and has been providing investment advice since 2000.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Antony James Allen (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 3543
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce 1990
Graduate Diploma in Applied Finance & Investment (ASIA)
1995
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2002 and has been providing investment advice since 1992.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Barry Meredith Morris (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 737 444
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma in Banking 1993
NZFMA Bridging Course 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1970 and has been providing investment advice since 1970.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Benjamin Petro (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 692 266
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Bachelor of Commerce (Major in Finance) 1995
Post Graduate Diploma in Banking 1997
Master of Business Studies 2001
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2002 and has been providing investment advice since 1996.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Benjamin Garland Lester (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, wellington 04 439 2470
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Engineering 1986
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1987.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the FSA (UK) Approved relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Bevan Graham Holdaway (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Finance) Otago University 1999
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2000 and has been providing investment advice since 2000.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the FSA Approved - (Financial Regulation & Derivates) UK relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Blair David Curry (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 3543
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Law 2002
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Barrister and Solicitor of the High Court of NZ relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Bridget Marjorie Greer (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 269 6239
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majors in Finance and Economics)
2005
Masters of Business in Finance 2007
AFMA Accreditation 2009
NZFMA Accreditation Bridging Exam 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Cameron Bagrie (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2212
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master of Commerce 1995
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1999 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Carlo Navarro (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 923
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor Science in Business & Economics (Major in Business Management) (Diploma)
1985
NZFMA Accreditation Bridging Exam 2008
Australian Financial Markets Association - Core Module 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1985.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Certified Foreign Exchange Dealer by Bankers Associates of the Philippines relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Carolyn Ng (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration (Major in Business Administration)
1989
Diploma of Business Studies (Finance) 1995
Diploma of Business Studies (Accounting) 1999
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 1989.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Christopher Dean O'Neale (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 692 663
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration (Major in Accountancy)
1982
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2001 and has been providing investment advice since 1983.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Christopher Donald Palmer (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 0800 269 261
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Bridging Course 2009
Financial Services Authority (FSA) London 2002
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1998.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Claire Brennan (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 269 6239
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business & Tourism 1997
Australian Financial Markets Association (AFMA) Core Accreditation
2005
Australian Financial Markets Association (AFMA) /ACI Dealing Simulation
2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 1998.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Clark Ian Boustridge (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 933 001
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majors in Finance and Economics)
2006
Post-Graduate Diploma in Commerce (Major in Finance) 2007
Australian Financial Markets Association Core Level 2008
NZFMA Bridging Course 2008
Australian Financial Markets Association Foreign Exchange Accreditation
2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Cornelius (Con) John Williams (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2361
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Applied Science (Agribusiness) 1st Class 2004
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2010.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the NZ Institute of Primary Industry Mgmt relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Craig Newton Barkley (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 381 9848
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Bachelor of Business Studies (Major in Finance & Marketing)
2000
Post-Graduate Diploma Applied Finance & Investment 2005
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2001 and has been providing investment advice since 2001.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Daniel William Bell (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Arts (Major in Economics) 2001
Graduate Diploma Finance and Investment 2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2004.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Associate of Financial Services Institute of Australasia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Darian Chu (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration 1994
Post Graduate Diploma in Business 2004
NZFMA Accreditation 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2000 and has been providing investment advice since 1995.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Chalklen (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 839 347
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2009
AFMA Core Accreditation 2010
NZFMA FX Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2002 and has been providing investment advice since 1983.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Croy (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2212
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Social Soiences (Major in Economics and Politics)
1992
Master of Management Studies with Distinction (Major in Finance and Economics)
1994
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 1994.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Antony Walker (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 0800 269 261
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce 1986
Post Grad Diploma Banking 1991
Master of Business Administration 1996
NZFMA Bridging Course 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1987 and has been providing investment advice since 1987.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Charles Speight (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Po Box 1790, Wellington 0800 805 777
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Accredited NZX Advisor 2003
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1978.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the NZ Exchange Limited, Securities Industry Assoc. relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Colin Wilkinson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Ground/Cnr. Colombo & Hereford Streets Christchurch 03 364 5333
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Economics) 1989
Diploma of Treasury Management 2001
FSA Accreditation (UK) 2007
NZFMA Bridging Course 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1996 and has been providing investment advice since 1996.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the INFINZ relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David John Drummond (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert Street, Auckland 0800 226 222
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business (Majoring in Business Economics and Marketing)
2007
NZFMA Certification 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
David Scott Chapman (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert St, Auckland 09 377 9450
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Applied Science (Valuation and Management)
2001
Post Graduate Diploma (Business and Administration) 2002
NZFMA Qualification 2009
ACI Dealing Accreditation 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 2003.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Dean Spicer (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 381 9884
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Management 1989
Chartered Financial Analyst 2003
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1990.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Chartered Financial Analyst Institute, New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Dean Neil Edgerton (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma in Business Studies 1995
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1988 and has been providing investment advice since 1983.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Derek Clifton Whittaker (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 110
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation - Core / Bridging / Interest Rates & Derivatives
2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1999 and has been providing investment advice since 2005.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Elizabeth Jane Morrah (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Australian Financial Markets Association Accreditation 2004
Australian Financial Markets Association FX Module 2005
NZFMA Accreditation Bridging Exam 2008
Australian Financial Markets Association Debt Markets Module
2009
Bachelor of Arts (major Classical Studies) 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2000 and has been providing investment advice since 1989.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Erin Craig Walshe (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 3543
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Law 1997
Bachelor of Arts (Intl Politics/Comp Politics) 1995
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1997.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Chartered Accountants of NZ relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Ewan Henderson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 737 444
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master of Science (Honours) (Major in Geology) 1985
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1987 and has been providing investment advice since 1987.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Francis William Herridge (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert St, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Australian Financial Markets Association Core Level Diploma
2008
BBS Business Studies (Major in Finance) 2008
NZFMA Bridging Course 2008
NZFMA ACI Dealing Simulation Course 2009
NZFMA New Zeland Interest Rates & Derivatives Module 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2000.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Gavin Andrew Bell (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
AFMA Core, Foreign Exchange, and Government Bonds, Securities & Debt Derivatives Modules
2008
Bachelor of Science (Major Statistics & Management Science)
2005
Bachelor of Commerce with Honours (Major Management Science)
2006
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Geraldine Khoo (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert Street, Auckland 0800 226 222
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (major in Finance) 2004
NZFMA Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2004 and has been providing investment advice since 2004.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Glen Andrew Sorensen (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 692 663
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Management Studies (Finance & Economics) 1996
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1996.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Grant John Smith (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration (Major in Accountancy)
1993
Australian Financial Markets Association (AFMA) Accreditation
2006
NZ FMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 1991.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Gregory Denton (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 269 6239
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Major in Finance) 2006
Bachelor of Laws (Major in Law) 2007
NZFMA Accreditation Bridging Exam 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Gregory Beresford Wilson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 ANZDKIWI (0800
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Masters Degree in Applied Finance 2004
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 1984.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand, Financial Services Institute of Australasia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Hao Cheng (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, Albert Street, Auckland 0800 933 001
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master of Professional Business Study 2007
Bachelor of Commerce 2004
NZFMA Accreditation 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2004.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Financial Risk Manager (FRM) relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Hayley Jayne Johnstone (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 923
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Australian Financial Markets Association FX Module 2009
Australian Financial Markets Association Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1994 and has been providing investment advice since 1994.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Jacqueline Louise Mitchell (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma of Financial Services 2005
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2001 and has been providing investment advice since 1995.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
James Gerard Scott Rawcliffe (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 110
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Agriculture) 1998
Australian Financial Markets Association Core Level Diploma
2009
NZFMA Bridging Course 2009
Australian Financial Markets Association Foreign Exchange Accreditation
2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
James Laurence Conder (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Bachelor of Business Studies 1992
Master of Business Studies 1998
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1992 and has been providing investment advice since 1992.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand, Financial Services Institute of Australasia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Jason Paul Green (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2376
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administrationm Victoria University (Majoring in Accounting)
1993
Chartered Accountant, Institute of Chartered Accountants of New Zealand
1997
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1999 and has been providing investment advice since 1997.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Chartered Accountants of New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Jefcoate Dickie (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majoring in Accounting, Finance and Information Systems)
2007
Bachelor of Forestry Science 2007
NZFMA Accreditation Bridging Exam 2008
AFMA - Core Module 2009
AFMA - FX Dealing Module 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Jennifer Stephen (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 64 4 381 9848
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Laws (LLB) 2005
Bachelor of Commerce 2004
Diploma in Financial Services 2007
NZFMA Accreditation 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the AFMA, NZFMA relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Julie Maree Oliver (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZICA - Accounting Technician 2001
AFMA - Diploma of Financial Services 2005
NZFMA Accreditation Bridging Exam 2009
Diploma of Business Studies 2000
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 2005.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Institute of Chartered Accountants relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Kate Radcliffe (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28,23-29 Albert Street 09 357 4032
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce majoring in Economics and Finance
2008
NZFMA Certificate 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2009.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Kevin Wilson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2361
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Agricultural Science (Lincoln) 1970
Diploma of Business Studies (Victoria) 1990
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1970 and has been providing investment advice since 1970.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Institute of Primary Industry Management relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Khoon Goh (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2357
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master of Commerce in Economics (First Class Honours) 1996
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Kieran O'Grady (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 737 444
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 1991.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Kylie Donaldson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert Street, Auckland 0800 933 001
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Core Accreditation 2009
NZFMA FX Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Lance Peter Cook (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, PO Box 1790, Wellington 0800 805 777
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZSE Diploma 1998
Accredited NZX Advisor 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1985.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Louise Catherine Tong (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Engineering (Civil) Honours 1991
Master of Applied Finance Honours 2002
Australian Financial Markets Association (AFMA) Core and Interest Rate Module
2006
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1992.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand, Australian Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Mark Smith (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Wellington 04 802 2212
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master Social Sciences (economics) 1994
Bachelor Social Sciences (economics and political science)
1991
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1995.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand association of Economists relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Mark John Peterson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, PO Box 1790, Wellington 64 4 382 1953
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration (Majors in Economics and Finance)
1990
Accredited NZX Advisor 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 1990.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Mark William Thomlinson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Wellington 0800626939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Mechanical Engineering Hons. 1991
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 1995.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Matthew Leicester (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 64 4 494 8588
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Bridging Course 2008
Bachelor of Commerce (Double Major in Finance and Economics)
2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Matthew Kirby (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre 23 Albert Street 09 357 4044
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Economics and Finance) 2006
AFMA Bridge 2010
NZFMA Core 2008
NZFMA FX & Derivs 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Matthew Keith Keown (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 381 9889
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor Business Studies 1994
NZFMA Accreditation Bridging Exam 2008
AFMA Accreditation 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 1996.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Michael Simpson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Australian Financial Markets Assn. Dip of Fin Services (Fin Markets)
2008
NZFMA Accreditation Bridging Exam 2009
Bachelor of Business Studies (Major in Finance) 2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1993 and has been providing investment advice since 1993.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Michael Brian Attwood (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma in Business Studies with endorsement in Finance
1996
Australian Financial Markets Association (AFMA) Accreditation
2007
NZFMA Accreditation Bridging Exam 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1989 and has been providing investment advice since 1978.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professional New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Michael David Brockway Rogers (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor Commerce (Majors in Company Law & Marketing)
1988
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 1989.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Murray Edward Hindley (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 471 0060
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
NZFMA accredited Individual status. 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1978 and has been providing investment advice since 1982.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand and Financial Services Institute of Australasia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Neel Pillay (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 269 6239
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accrediting Exam 2009
Australian Financial Markets (AFMA) Accredited 2004
Diploma in Financial Markets 2003
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1997.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Nicholas Robert Maxwell (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 09 377 9450
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Arts (History) Canterbury University 1990
Post Grad Diploma Applied Finance and Investment Aust Sec Institute
1998
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 1991.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the INFINZ, Financial Services Institute of Australia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Nikki Jacobson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration 1999
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Owen Johnston (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 35494
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accredited individual status 2009
NZFMA bridging exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 1985.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Patrick James McCarthy (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Australian Financial Markets Association Accreditation 2006
Bachelor of Commerce 2003
Bachelor of Commerce & Administration with Honours in Finance
2004
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 2005.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Paul Bernard Saunders (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 0800 500 617
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
AIB Qualification (London) 1980
NZFMA Bridging Course 2009
NZFMA Core Accreditation 2009
NZFMA FX Accreditation 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1994 and has been providing investment advice since 1977.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Canterbury Manufacturers Association (CMA), Export New Zealand Canterbury relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Penny Ford (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 09 357 4044
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor Science - Biochemistry 1996
Bachelor of Engineering with Honours - Chemical and Process
1998
Masters of Applied Finance 2002
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Penny Sewell (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 439 2474
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce & Administration 2004
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 2003.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Peter Ryan Ashmore (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre 23 Albert Street 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Foreign Exchange & Derivatives Module
2010
NZFMA Accreditation Financial Services Core Module 2010
Bachelor of Commerce (Major in Finance) 2008
Bachelor of Science (Major in Economics) 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2009.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Philip Usmar (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 35494
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
NZFMA Accredited Individual Status 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2004 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the New Zealand Financial Markets Association relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Phillip Andrew Criglington (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Streets, Christchurch 0800 500 615
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Australian Financial Markets Association - Foreign Exchange Module
2010
Australian Financial Markets Association - Core Module 2009
New Zealand Financial Markets Association - NZ Bridging Course
2008
Bachelor of Business Studies (Major in Marketing) 2003
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Quinn Battson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Major in Management) 2002
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2003.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Rachel Lash (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
AFMA Core & Interest Rate Specialist Exam 2005
FSA Regulatory Exam 2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Rhys Talbot (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 110
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma in Business 2000
AFMA Accreditation - Core / Bridging / Debt Markets 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 1985.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Richard Davey (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 471 0030
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Major in Finance and Economics) 1991
Post Graduate Diploma in Commerce (Economics) 1992
Australian Financial Markets Association (AFMA) Accreditation
1998
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2004 and has been providing investment advice since 1993.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Richard McRae (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Bachelor of Business Studies (Business Law) 1998
Graduate Diploma in Applied Finance & Investment 2001
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Senior Associate of the Securities Institute of Australia relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Robert Till (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 471 0060
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Accountancy) 1997
New Zealand Institute of Chartered Accountants 2001
NZFMA Accreditation Bridging Exam 2009
AFMA Diploma of Financial Services (Financial Markets - Australia)
2009
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Chartered Accountants of New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Sam Robert Anderson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 269 296
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Postgraduate Diploma in Commerce (Finance) 2009
NZFMA Accredited Individual 2010
Bachelor of Commerce (Finance) 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2010.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Samuel James Tuck (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria St, Wellington 04 472 1446
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
SFA - Securities & Financial Derivatives UK 2000
NZFMA Accredited 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 1998.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Samuel James Lobb Goddard (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Wellington, New Zealand +64 4 471 0060
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Core Accreditation Module 2009
AFMA FX Specialist Module 2009
BCA hons (1st class) - Victoria University of Wellington 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2009.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Samuel John McKay (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 09 377 9450
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Economics (Major in Economics) 2006
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Broking Accreditation and Securities & Derivatives Industry Association - Australia - PS 146 Compliant relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Samuel Reaburn Forgie (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 737 444
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Double Major in Finance and Accountancy)
2006
Bachelor of Arts (Major in Philosophy, Policies and Economics)
2006
NZFMA Accreditation 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Sanjay Chandran (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 0800 500 615
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Bridging Course 2009
NZFMA Core Module 2009
NZFMA Foreign Exchange & Derivatives Module 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2005 and has been providing investment advice since 1995.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Sarah Robertson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited L 28, ANZ Centre Auckland 0800 226 222
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Major in Finance) 2000
NZFMA Core Accreditation 2010
NZFMA FX Accreditation 2010
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2001.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Scott Douglas Dewar (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 2, Cnr Colombo & Hereford Sts, Christchurch 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA - Bridging Course 2009
Certificate of Financial Services & Australian Financial Markets Association (AFMA)
2001
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 1985.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Sharon Zollner (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited 1 Victoria Street, Wellington 0800 181818
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Arts (Major in Economics and English) 1996
Master of Commerce (1st class, Major in Economics) 1997
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2010 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Shaun Patrick Coleman (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 923
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Certificate of Cash Management 2006
Australian Financial Markets Association Accreditation 2009
Australian Financial Markets Association FX Module 2010
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 2003.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Simon Neale (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 737 444
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Master of Science 1997
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2006 and has been providing investment advice since 2006.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Simon Paul Eckhoff (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23-29 Albert Street, Auckland 0800 730 100
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majoring in Finance) 2006
Post Graduate Diploma in Commerce (Majoring in Entrepreneurship)
2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Sophie Alison Gallagher (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Lvl 28, 23-29 Albert Street 09 309 8500
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
NZFMA Accreditated 2009
Bachelor of Commerce (Major in Finance) 2006
Bachelor of Law 2007
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2007.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Stephen Thomas Gawn (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 663
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Honours) (Major in Finance)
2000
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2003 and has been providing investment advice since 2000.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Steve Edwards (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 04 802 2217
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce 1985
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1987 and has been providing investment advice since 1987.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Steven Dundon (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Certificate in Securities and Derivatives 2003
Certificate in Securities Regulation 2003
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 1990.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Securities Institute London relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Stuart John Esquilant (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 966
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Diploma of Financial Services (Financial Markets), Australian Financial Markets Assoc
2006
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1978 and has been providing investment advice since 1986.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Suzanne Helen Pulham (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
Certificate in Business Studies (Major in Banking) 2000
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 1988 and has been providing investment advice since 1993.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Thomas George Robertson (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 626 923
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Majors in Finance and Economics)
2006
Post Graduate Diploma of Finance 2007
NZFMA Accreditation Bridging Exam 2008
AFMA Core Module Exam 2008
Euromoney Bond School 2009
NZFMA ACI Dealing Simulation 2009
AFMA Gov Bonds, Securities and Debt Module 2009 The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2008 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Thornton Mason Williams (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, ANZ Centre, 23-29 Albert St, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Commerce (Major in Marketing) 1997
Post-Graduate Diploma of Applied Finance & Investment 2005
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 1999.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the INFINZ relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Tim Chapman (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 28, 23 Albert Street, Auckland 0800 426 939
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Law 2001
Bachelor of Commerce (Major in Economics) 2001
Post Graduate Bachelor Comm Hons. 2002
NZFMA Accreditation Bridging Exam 2010
Unit 01 - FSA Financial Regulation (UK) 2004
Unit 02 - FSA Securities (UK) 2004
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2009 and has been providing investment advice since 2002.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the FSA Registered (UK) relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Timothy Wybrants Olphert (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 114 815
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
NZFMA Accreditation Bridging Exam 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2000 and has been providing investment advice since 1989.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is a member of the Institute of Finance Professionals New Zealand relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.
Disclosure Statement
Zachary Allen Young (“Investment Adviser”) This document was prepared as at 5 October 2010
ANZ National Bank Limited Level 7, 1 Victoria Street, Wellington 0800 839 347
Disclosure information The Investment Adviser is an employee of ANZ National Bank Limited (the “Bank”).
The Investment Adviser and the Bank (in respect of itself and the principal officers of the Bank) make the following investment adviser disclosure to you pursuant to section 41A of the Securities Markets Act 1988.
Qualifications, experience and professional standing Relevant qualifications
The Investment Adviser has the following qualifications that are relevant to giving investment advice:
Qualification Date obtained
Bachelor of Business Studies (Finance) 2007
NZFMA Bridging Course 2008
The Investment Adviser keeps the knowledge obtained from those qualifications up to date by reading relevant industry publications and attending both internal and external seminars and workshops.
Experience
The Investment Adviser has been employed by the Bank since 2007 and has been providing investment advice since 2008.
The Bank is a registered bank and, through its staff, is experienced in providing investment advice about its own securities and, where appropriate, the securities of other issuers. The Bank has been selling securities, and providing investment advice on those securities, to customers as a core part of its business for many years, drawing on the extensive research undertaken by the Bank and its related companies and the skills of specialised staff employed by the Bank. The Bank is represented on many bank, finance and investment related organisations and keeps abreast of relevant issues by running seminars and workshops for relevant staff and having its investment adviser staff attend external seminars where appropriate. The Bank subscribes to relevant industry publications and, where appropriate, its investment advisers will monitor the financial markets.
Relevant professional body
The Investment Adviser is not a member of a professional body relevant to the provision of investment advice.
The Bank is a member of the following professional bodies relevant to the provision of investment advice:
• New Zealand Bankers’ Association; • Investment Savings & Insurance Association of NZ (Associate
Member); • Financial Markets Operations Association; and • Institute of Finance Professionals.
Professional indemnity insurance
The Investment Adviser has the benefit of the Bank’s professional indemnity insurance discussed below.
The Bank (and its subsidiaries), through its ultimate parent company Australia and New Zealand Banking Group Limited, has professional indemnity insurance which covers its activities including those of investment advisers it employs.
This insurance covers issues (including ‘prior acts’) arising from staff fraud, electronic crime, documentary fraud and physical loss of property. The scope of the insurance also extends to third party civil claims, including those for negligence. The level of cover is of an amount commensurate with the size and scale of the Bank.
The insurer is ANZcover Insurance Pty Limited.
Dispute resolution facilities
The Bank has a process in place for resolving disputes. Should a problem arise, you should contact your Relationship Manager or Markets Dealer who will be able to give you more information on the Bank’s procedures. If your complaint is not satisfactorily resolved please contact ANZ Customer Relations, ANZ Centre, Private Bag 92 210, Auckland. Unresolved complaints may ultimately be referred to the Banking Ombudsman, whose contact address is PO Box 10-573, Wellington.
Criminal convictions In the five years before the relevant investment advice is given none of the Investment Adviser, the Bank or any principal officer of the Bank has been:
• convicted of an offence under the Securities Markets Act 1988, or the Securities Act 1978 or of a crime involving dishonesty (as defined in section 2(1) of the Crimes Act 1961);
• a principal officer of a body corporate when that body corporate committed any of the offences or crimes involving dishonesty as described above;
• adjudicated bankrupt; • prohibited by an Act or by a court from taking part in the
management of a company or a business; • subject of an adverse finding by a court in any proceeding that has
been taken against them in their professional capacity; • expelled from or has been prohibited from being a member of a
professional body; or; • placed in statutory management or receivership.
Other interests and relationships Investment Adviser
The Investment Adviser may receive payments or other benefits from the Bank in addition to his or her salary that are linked to various internal performance criteria, including the provision of investment advice and the sale of securities and/or related products. Accordingly, by giving investment advice to you and/or by selling securities and/or related products to you, the Investment Adviser may increase the likelihood of his or her receiving, and/or the amount of, such payments. It is not practicable to calculate the amounts or rates of such payments.
Other than the Investment Adviser’s employment with the Bank and the remuneration received by the Investment Adviser from the Bank, neither the Investment Adviser nor an associated person of the Investment Adviser has, or will or may have, any interest or relationship that a reasonable person would find reasonably likely to influence the Investment Adviser in providing the investment advice.
Bank
The Bank is one of New Zealand's largest financial institutions and, therefore, has banking and other financial relationships with many of the country's public and private entities. Accordingly, in relation to any security in relation to which investment advice is given, the Bank may have a relationship with the issuer or other person connected with the security. Also, the Bank's subsidiary Direct Broking Limited ("DBL") has an NZX designation as a Market Participant and has been accredited by the NZX to participate in the markets provided by NZX or otherwise in relation to any such security.
The Bank and DBL may receive remuneration from a third party in connection with a security about which the Bank has provided investment advice. Whether remuneration is received and, if received, from whom, and its value, depends on the security but, for the Bank, remuneration will typically fall within a range of 0.00% to 2.00% of the value of the security subscribed for or placed. Remuneration, if any, received by DBL in such cases for its participation, will be paid by the Bank from the remuneration the Bank has received.
At the time of providing this disclosure statement, it is not practicable to disclose exactly the amount or rate of any remuneration that might be received or the name of the person from whom it may be received.
Securities about which investment advice may be given The Investment Adviser provides investment advice on some or all of, the following types of contracts some of which may be securities:
• Foreign Exchange and related contracts of all kinds • Interest Rate and related contracts of all kinds • Corporate and other Bonds, Notes and deposits of all kinds • Commodities contracts of all kinds • Derivative contracts of all kinds including options
While the investment advice which may be given will relate principally to securities issued by the Bank, investment advice may be given in relation to securities issued by other issuers. If at any time you require further information about which particular types of securities the Investment Adviser then provides investment advice on, please contact the Investment Adviser for details.
Disclaimer Each security (including the principal, interest or other returns of any security) the subject of investment advice given to you by the Investment Adviser or the Bank or otherwise, is not guaranteed, secured or underwritten in any way by the Investment Adviser, the Bank or any associated or related party, except to the extent expressly agreed in the terms of the relevant security. It is your responsibility to understand the nature of any security subscribed for, and the risks associated with that security. To the maximum extent permitted by law, the Investment Adviser and the Bank exclude liability for, and shall not be responsible for, any loss suffered by you resulting from the Bank's or the Investment Adviser's investment advice.