Publicly Available Disclosure

Company name: Ellison Financial Services Limited (trading as Ellison Finance)

FSP number: 759531

Adviser: Jacob Ellison — FSPR 760611

Phone: 027 403 4569  |  Email: jacob@ellisonfinance.co.nz

Address: 5B Whitehouse Road, Titahi Bay, Porirua 5022

We operate as an Authorised Body under a Financial Advice Provider licence issued by the Financial Markets Authority in the name of NZ Financial Services Group Limited (NZFSG) — FSP286965. There are no conditions attached to this licence on the advice that may be given.

Ellison Financial Services Limited, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013. These duties are to:

• Meet the standards of competence, knowledge, and skill and the standards of ethical behaviour, conduct, and client care set out in the Code of Professional Conduct for Financial Advice Providers.
• Give priority to your interests.
• Exercise care, diligence, and skill.

We provide advice to our clients about home loan products, from certain providers. We work with:

Full text list (kept in sync automatically):

Generally, we won't charge you any fees for the advice that we provide to you. This is possible because, if you act on the advice given, we usually receive commission from the applicable product provider on settlement of a mortgage. There are some exceptions to this general position, explained below.

We may charge you a one-off fee in the following situation:

No commission: if you request that we provide services in relation to a product or service and we do not receive a commission. Any such fee would be agreed and authorised by you in writing before we complete the services, and would be based on an estimate of the time spent providing the advice. This may arise in the rare event that you request we provide services in relation to either a product offered by a provider we don't hold an accreditation with, or a product outside our usual arrangements with our product providers.

Should we need to charge you a fee, you will be invoiced and given 30 days to make payment.

If you proceed with a product on the basis of financial advice given by your adviser, the adviser, adviser business, and/or the licensee usually receives commission on settlement of a loan. We may also receive a commission payment or referral fee for business referred to other businesses. The types of payments that may be received include:

• Upfront commission (a percentage of the loan at drawdown).
• Renewal or trail commission (a percentage of the loan outstanding at the relevant time).
• Fixed rate roll-over fee (from some product providers if we assist in refixing your loan).
• Referral fees.
• Other incentives or rewards, for example gifts or tickets to events.

Further information about the commissions and incentives relevant to the advice you may receive, including the maximum percentages used to calculate them, will be given to you by your Financial Adviser. This commission remunerates the adviser and pays the expenses of running our business — including rent, staff costs and IT resources — and from it we also pay NZ Financial Services Group Limited for services they provide in connection with our authorisation under their licence.

We may attend events hosted by industry associations, product providers, and NZFSG, at which product providers discuss and provide information about their products. We manage this potential conflict of interest by following an advice process that ensures we prioritise your interests and recommend products suitable for you, regardless of the information received at such events.

We take steps to ensure that conflicts of interest — including receipt of commissions or other incentives — do not influence the advice we give you, and that our advisers prioritise your interests by recommending the best product for your purpose regardless of the type and amount of commission we or they may receive. We do this by:

• Ensuring our advisers follow an advice process that ensures they understand your needs and goals, and that their recommendations meet those needs and goals.
• Ensuring our advisers receive regular training on how to manage conflicts of interest.
• Providing you with a schedule showing commission amounts and types by product provider, contained within your Financial Adviser's personalised Disclosure Guide.

Any other conflicts of interest that could potentially influence the advice we give will be shown in your Financial Adviser's Disclosure Guide.

If you have a complaint about our service, you need to tell us about it. Contact our internal complaints service by phoning us on 027 403 4569 or emailing jacob@ellisonfinance.co.nz with the heading "Complaint – (Your Name)".

Please set out the nature of your complaint and the resolution you're seeking. We'll acknowledge receipt within 24 hours, record your complaint in our Complaints Register, and notify our Licence Holder. We may want to meet with you to better understand your issues, and will then investigate and respond within 7 working days of receiving your complaint. If we need more time, we'll let you know.

If we cannot agree on a resolution, you can refer your complaint to our external dispute resolution service — free and independent:

Financial Services Complaints Limited (FSCL)
Phone: 0800 347 257
Email: complaints@fscl.org.nz
Web: fscl.org.nz