Compliance

Brian Kilworth

Director, Kilworth Holdings Ltd

Licensing Information
Kilworth Holdings (FSP 728951) holds a license issued by the Financial Markets Authority.
Brian Kilworth (FSP84102) holds a license issued by the Financial Markets Authority.

Nature and Scope of the advice
Kilworth Holdings only provides advice to clients about their Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection, Waiver of Premium and Health Insurance.

For Life Insurance, Trauma Cover, Total & Permanent Disability Cover, Income Protection and Waiver of Premium, we work with the following three providers:
AIA, Asteron & Fidelity Life

For Health insurance we work with two providers:
NIB & Southern Cross

For Shareholder Protection, Business Continuity, Debt Protection, pure investment advice, planning requirements or Fire and General Insurance, I will refer you partnered providers to receive this specialisation.

Fees and Expenses
Kilworth Holdings does not charge fees, expenses or any other amount for the financial advice provided to its clients.

Conflicts of Interests and Incentives
Kilworth Holdings receive commission from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a commission to Kilworth Holdings. The amount of commission is based on the amount of the premium. Kilworth Holdings will receive commission from referrals to Vision Insurance (Fire and General).

Complaints handling and disputes resolution
If you are not satisfied with our financial services you can make a complaint by emailing complaints@kilworths.co.nz or by writing to us at PO Box 5, 125 Tancred Street, Ashburton.

When we receive a complaint, we will follow our internal disputes resolutions process:

1. 1. We will consider your complaint and let you know how we intend to solve it.
   2. We may need to contact you to get further information about your complaint. If we need to do so, we will within 5 days.
   3. Our aim is to resolve complaints within 2 weeks. If we cannot, we will let you know we need more time to consider your complaint.
   4. We will contact you to let you know whether we can resolve your complaint and how we propose to do so.
   5. If we cannot resolve a complaint or you are not happy with the way we intend to do so, you can contact the Insurance & Financial Services Ombudsmen Scheme. This service will cost you nothing.

Insurance & Financial Services Ombudsmen Scheme at:
Level 2 Solnet House, 70 The Terrace, Wellington 6143
PO Box 10-845, Wellington 6143 New Zealand
Telephone: Free phone 0800 888 202 or (04) 4997612
Email info@ifso.nz

Duties Information
Kilworths – Insurance & Investment, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2012 relating to the way that we give advice.

We are required to:

• • Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests.
  • Exercise care, diligence, and skill in providing you with advice.
  • Meet standards of competence, knowledge and skill set by the code of professional conduct for financial advice services (these are designed to make sure that we have the expertise needed to provide you with advice).
  • Meet standards of ethical care behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure I treat you as I should and give suitable advice).

More information is available by visiting the Financial Markets Authority website at http://www.fma.govt.nz.

Duties Information
Kilworth Holdings, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2012 relating to the way that we give advice.

We are required to:

• • Give priority to your interests by taking all reasonable steps to make sure our advice is not materially influenced by our own interests.
  • Exercise care, diligence, and skill in providing you with advice.
  • Meet standards of competence, knowledge and skill set by the code of professional conduct for financial advice services (these are designed to make sure that we have the expertise needed to provide you with advice).
  • Meet standards of ethical care behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure I treat you as I should and give suitable advice).

More information is available by visiting the Financial Markets Authority website at http://www.fma.govt.nz.