Cynthia Owens Insurance Advisor 0274 555 118 cynthiaowensinsurance@xtra.co.nz

Disclosure Statement (financial adviser)

Name of financial adviser: Cynthia Mary Owens FSP65221
Address: 7A Fife Lane, Miramar, Wellington 6022.
P.O. Box 14188, Kilbirnie, Wellington 6241
Trading name: Cynthia Owens Insurance
Telephone number: 04 976 1526
Fax number: 04 976 1527
Email address: cynthiaowens@xtra.co.nz
Web: www.cynthiaowensinsurance.co.nz

This disclosure statement was prepared on: 1st July 2011

It is important that you read this document

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

What sort of adviser am I?

I am a registered, but not authorised, financial adviser. I can give you advice about: Term Life, Trauma, Income Proetection, Total and Permanent Disability, Waiver of Premium, Business and Medical Insurances.

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.

You may contact the internal complaints scheme by contacting me at the details on the top of this disclosure statement.

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact Financial Services Complaints Limited (FSCL). This service will cost you nothing, and will help us resolve any disagreements.

You can contact FSCL at:

Address: PO Box 5967, Lambton Quay, Wellington 6145
Telephone number: 0800 347 257 or 04 472 3725
Email address: info@fscl.org.nz

How am I regulated by the Government?

You can check that I am a registered financial adviser at http://fspr.govt.nz.

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

You can report information or complain about my conduct to the Financial Markets Authority but in the event of a disagreement, you may choose to first use the dispute resolution procedures described above.

Declaration

I, Cynthia Mary Owens, 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.