Disclosure statement (Finanial adviser)

Name of financial adviser:		Carolyn Calder
Address:		PO Box 322, Rangiora 7440
Telephone number:		(03) 310 3099 / (09) 525 1017
Fax number:		(03) 312 8931 / (09) 525 1036
Email address:
This disclosure statement was prepared on:		30 June 2014

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

What sort of adviser am I?
I am a registered, but not authorised, financial advisor.
I can give you advice about: Arranging loans secured by mortgages and charges over real property (land and buildings) and personal property. I advise on sourcing loans from lenders including trading banks, finance and mortgage lending companies for clients with borrowing requirements.

What should you do if something goes wrong?
If you have a problem, concern, or complaint about any part of my service, please tell me so that I can try to fix the problem.
If we cannot agree on how to fix the issue, you can contact Financial Disputes Resolution Service (FDRS). This service will cost you nothing, and will help us resolve any disagreements. You can contact Financial Disputes Resolution Service at telephone number: 0508 377 746

How am I regulated by the Government?
You can check that I am a registered financial adviser at http://www.fspr.govt.nz.
The Financial Markets Authority regulates financial advisers. Contact the Financial Markets Authority for more information, including financial tips and warnings.
You can report information or complain about our conduct to the Financial Markets Authority, but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above (under What should you do if something goes wrong?).

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

Signed: