DISCLOSURE STATEMENT - Cassandra Ryder

In accordance with the provisions of the Securities Markets Act 1988 and the Securities Markets (Investment Advisers and Brokers) Regulations 2007 this Disclosure Statement provides you with information and answers to questions about me and the company I work for. It provides details about:

• the services I can provide;
• how we operate the business;
• my KiwiSaver adviser qualifications ;
• what investment products I am able to sell you;
• which financial organisations I am able to place business with; and
• how I and the company are remunerated.

This document was prepared on 24th July 2009. Updated -

Adviser Details:

EXPERIENCE

I qualified as a KiwiSaver adviser in July 2009.

I do not give advice on other investments or securities.

I work for Superannuation New Zealand/Christchurch Insurance Centre.

PROFESSIONAL RELATIONSHIPS

I maintain a contractual relationship with Fidelity Life Assurance Co Ltd through Superannuation New Zealand however I am able to place business with other KiwiSaver providers.

I have no other financial or other relationship with any other person or entity that would be reasonably likely to influence me in giving advice.

Disclosure of Criminal Convictions

I have not been:

• convicted of an offence under the Securities Markets Act 1988; the Investment Advisers (Disclosure) Act 1996 or the Securities Act 1978, or for a crime involving dishonesty;
• a director or principal officer of a body corporate that has committed an offence against the Securities Markets Act 1988, the Investment Advisers (Disclosure Act) 1996 or the Securities Act 1978 or for a crime involving dishonesty;
• adjudged bankrupt;
• prohibited by and Act or by a court from taking part in the management of a company or business;
• the subject of an adverse finding by a court in any proceeding taken against me in my professional capacity; or
• expelled from, or prohibited from being a member of, a professional body.

How I Operate

With your agreement, we will follow the following steps:

1. I will explain the key features and benefits of KiwiSaver.
2. You complete a questionnaire to help you identify which funds to invest in.
3. You complete a checklist to confirm I have explained the key features of KiwiSaver
4. You complete a KiwiSaver enrolment form and payment form (if appropriate).
5.  I send the enrolment form to the appropriate KiwiSaver provider. The provider will confirm to you that they have enrolled you in KiwiSaver.
6. I will be available to assist you in the future with decisions concerning KiwiSaver.
7. Superannuation New Zealand/Christchurch Insurance Centre will also be able to help you with other services such as:

• Cash/Debt Management Budgeting, debt reduction or restructuring, establishing sufficient cash reserves and investing accordingly.
• Risk Management Identifying and quantifying personal financial risks, considering solutions and ensuring sufficient cash or income is available in the event of death, disability or illness.
• Retirement Planning Determining retirement needs, assessing current provisions and providing solutions for any gaps.
• Kiwisaver Advising prospective clients on the Governments KiwiSaver initiatives and implementation.

Remuneration

I receive the following remuneration from Fidelity Life, either directly or through the agency I work through:

• I am paid an up front fee of $30 per enrolment.

Dispute Resolution

Should you have a complaint about me or my service to you, please contact me. Should you wish to make your complaint elsewhere, please contact Superannuation New Zealand direct.

Professional Indemnity Insurance

I have professional indemnity insurance which covers my advice on KiwiSaver. This insurance provides protection for clients for up to $2,000,000 p.a. for any error or omission; defamation; employee dishonesty; and includes full "prior acts" protection.

This insurance cover is held by Superannuation New Zealand. The underwriter is Lumley’s Insurance.

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