Level 1, Winscombe Mall, Queen St, Warkworth, Postal address: PO Box 254, Warkworth 0941

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1 Disclosure Statement Financial Adviser Name: Registration number of Authorised Financial Adviser: Physical address: Roger Mark Adams FSP Level 1, Winscombe Mall, Queen St, Warkworth, 0941 Postal address: PO Box 254, Warkworth 0941 Trading name: RMA Consultants Ltd Telephone number: Fax number: address: This disclosure statement was prepared on: 27 th March 2013 Services and products I provide I provide the following types of financial adviser services. 1. Financial Advice 2. Investment Planning Services I provide financial adviser services in the following subject matters: Cash management and budgeting Retirement planning Investment planning Risk management (insurance) General advice on asset planning and asset protection General advice on taxation relating to investments and insurance Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 1 of 6

2 Products on which advice is given I provide financial adviser services in relation to the following types of products: Risk products Life cover Accidental death cover Disability income protection Trauma Living insurance Business overheads cover Mortgage protection insurance Key person protection insurance Medical insurance Major medical cover Savings and investment products Managed funds including unit trusts, KiwiSaver, superannuation, Group Investment Funds, and Qualifying Recognised Overseas Pension Schemes (QROPS) Combined risk and savings Tax paid investment bonds Bank deposits and bonus bonds Government stocks/securities Precious Metals Complex products Structured funds and Geared products Product Providers Used In my role as an Investment Fiduciary I offer advice on the products provided by Plan B Trustees as well as a list of approved investment providers through Partnership Financial Services. RMA Consultants Ltd has a strategic alliance with Partnership Financial Services Pty Ltd (PFS), part of the Plan B Group. RMA Consultants Ltd receives technology support, business development support and investment information, including access to Plan B Investment solutions. RMA Consultants Ltd pays fees to PFS for this support and receives no remuneration from PFS or any other Plan B Group entity in respect of product placement. RMA Consultants Ltd also holds a sub-agency agreement through the New-Zealand agent for The Anglo Far-East Bullion Company. When it comes to risk management products, superannuation funds and insurance bonds, RMA Consultants Ltd needs to have a contractual agreement with a provider in order to place business with that provider. RMA Consultants Ltd have contractual agreements for the sale of products issued by the following providers;- American International Assurance Company (Bermuda) (AIA New Zealand) Asteron Life Fidelity Life Assurance Company OnePath Life (NZ) Sovereign Assurance Tower Health & Life Partners Life Fees payable by the client The professional fees I charge will vary according to the nature of the services I provide, as outlined below: 1. Consultancy Fees Initial charges will be negotiated with you prior to establishing an investment portfolio to cover the consultancy process. Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 2 of 6

3 Consulting/Planning Fee NB. Minimum Consulting/Planning Fee No charge for the first meeting to determine the Scope of Advice & then by negotiation. $ GST. (This fee covers initial Consultancy, Financial Modelling, preparation of Strategic Direction Report, preparation of a Statement of Advice (SoA) and may also include an implementation fee for the investments where any investments are put in place as result of implementing the recommendations in the SoA). Services include: Consultancy advice Asset adequacy analysis Risk profiling Redemption and reallocation of assets Strategic Direction Report preparation The fees for the Implementation of funds as given in the schedule below for Plan B Products; Type of Fee Investment Amount Fee (plus GST) Funds Implementation Fee $0 - $100,000 2% Funds Implementation Fee $100,000 - $500,000 1% Funds Implementation Fee $500,000 - $1000, % Funds Implementation Fee Over $1000,000 Lower by negotiation Margin Loan Establishment Fee 2% NOTE: Pension Transfers attract an additional 1% fee due to disbursements and transactional costs. 2. On-going Service Fees RMA Consultants charges a fee to cover the cost of the following services: Enquiry into Clients changing needs and circumstances Assessing compliance of Trusts with international fiduciary standards Responsibility to act as a co-fiduciary Adapting portfolio structure to meet recognised needs Communicating investment research and education Regular strategic reviews Managing Client reporting queries Assisting Clients with portfolio volatility management. The fees are as given in the schedule below: Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 3 of 6

4 Investment Amount Fees (+ GST) $1 - $500, % $500,001 - $1,000, % $1,000,001 - $2,000, % $2,000,001 - $5,000, % Above $5,000, % Important: These fees are current but may change from time to time. In addition each Fund manager used will have their own management expenses. These fees will be disclosed and discussed when making recommendations. No commissions are received from these fees. Note: Please note that these are maximum fees I charge and a reasonable estimate of what fees you will pay. The correct fees applicable for each client will be clearly documented in writing in the SOA I will provide to you. Other interests and relationships RMA Consultants Ltd does not have any contractual requirements, quotas or agreements obliging me to recommend certain product providers products or services. RMA Consultants Ltd is a member of Plus 4 Insurance Solutions and as a result I may be eligible for bonus payments from certain insurance product providers. Under this arrangement RMA Consultants Ltd is under no obligation to meet any product quotas or to recommend a particular product provider. These bonus payments are outlined in the Remuneration section below. Remuneration I am remunerated as shareholder and director of RMA Consultants primarily by drawings and shareholder salary. My company receives all commissions and client fees that are generated by me. Types of remunerations I receive are as follows: Risk Product Commissions The information provided in the Appendix below is current as at 1 st January 2013 Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 4 of 6

5 Product Product Provider Maximum initial commission as a % of annual premium Ongoing trail commission as a % of annual premium Risk products including medical insurance, term life, income protection, trauma Fidelity Life Assurance Company Asteron Life One Path Life (NZ) Tower Health and Life American International Assurance Company (Bermuda) Sovereign Assurance Partners Life In addition to the above, RMA Consultants Ltd may be eligible for bonus payments from certain insurance companies. Product provider Production bonus (%) API bonus (%) Fidelity Life Assurance Company Asteron Life One Path Life (NZ) Tower Health and Life American International Assurance Company (Bermuda) Sovereign Assurance Ltd Partners Life Investment Product Commissions The information provided is current as at 1 st March 2012 Roger Mark Adams via RMA Consultants Ltd is eligible to receive commission on the following products according to the schedule below. Please note that this is the maximum commission payable and in many cases these may be passed on to you, especially if you are investing substantial sums. Specific commission rates I will receive will be disclosed in writing to you in relation to specific investments prior to your investments being placed. Product provider Product Maximum. initial Commission as a % of each investment made On-going annual Commission as a % of total value of investment Managed funds Sovereign Assurance Select Wealth Management NZ Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 5 of 6

6 Bond Fund Fidelity Life Assurance Company Options Portfolio Balanced Fund Conservative Fund Growth Fund Ethical Fund Plan B Wealth Management Specialty products Anglo Far East Global 55 Global 65 Global 75 Global 85 Global 95 Precious Metals Gold Silver In bullion 0.5 In bullion Non-monetary benefits (soft dollar disclosure) From time to time, RMA Consultants Ltd may receive certain non-monetary benefits from product providers. This could include gratuities such as a bottle of wine at Christmas time, a free calendar, pen or book, the occasional luncheon, drinks after a briefing session, invitations to sporting events, subsidised professional development, discounted training courses or office supplies, Declaration I, Roger Mark Adams, 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 Secondary Disclosure Statement of Roger M Adams, Version Number 2, Dated April 2013 Page 6 of 6

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