Public Disclosure Document

Sentinel Financial NZ Limited (Sentinel Financial) holds a Financial Advice Provider licence issued by the FMA to provide financial advice services. Sentinel Financial's Financial Services Provider Number is FSP1011558.

Nature and Scope of Financial Advice Services

Sentinel Financial provides financial advice in the following areas:

• Residential and commercial mortgages and lending
• KiwiSaver fund selection and contribution strategy
• Retirement planning
• Business and commercial lending

Home Loan and Lending Providers

We have access to the following lenders and may recommend products from any of these providers:

ANZ, ASB, BNZ, Westpac, KiwiBank, SBS, TSB, Cooperative Bank, ASAP Finance, Avanti, Basecorp, CMFL, Cressida Capital, DBR, First Mortgage Trust, Funding Partners, Heartland Bank, Liberty, Pepper Money, Plus Finance, Prospa, Pallas Capital, Southern Cross Finance, Unity, Bizcap, Finbase, Xceda, Vincent Capital, Simplify, XE, The Lending People

KiwiSaver Providers

We may recommend KiwiSaver products from the following providers:

Generate, Booster, Milford, Kernel, Evidential

Our Fees

Mortgage Advice Fees

Generally, Sentinel Financial does not charge a fee for mortgage advice. This is because, on settlement of a loan, the lender usually pays us a commission, which is explained in the Commission section of this disclosure.

In some circumstances, we may charge a fee. For example, where the lender does not pay a commission or where the work involved is more complex. If a fee is to be charged, we will discuss and agree this with you before proceeding.

KiwiSaver and Investment Advice Fees

In most cases, we do not charge clients a direct fee for KiwiSaver or investment advice. Instead, we may receive commission from the product provider, which is explained in the Commission section of this disclosure.

In some cases, an adviser fee may apply. For example, some providers may facilitate an ongoing adviser fee that is deducted from your investment balance. If this applies, the fee and how it is calculated will be clearly explained to you before you proceed.

Commissions

Mortgages & Lending

Sentinel Financial will receive a commission from the product provider when a loan is drawn down. You will be given a detailed breakdown of any commissions applicable to your situation before proceeding with any recommendations.

KiwiSaver

Sentinel Financial may receive commissions from KiwiSaver or investment providers for introducing you to their products and providing ongoing advice and support. You will be provided with a detailed breakdown of any commissions applicable to your situation before proceeding with any recommendations.

Conflicts of Interest

We are committed to prioritising your interests and providing you with objective advice although we do have business relationships with product providers also. We manage conflicts of interest through a comprehensive process.

How We Manage Conflicts of Interest

To ensure our advisers prioritise our clients' interests, we manage conflicts of interest through a comprehensive process that includes:

• Following an advice process that ensures our recommendations are made appropriately, based on clients' goals and circumstances
• Researching a broad range of suitable products and providers
• All advisers undergoing annual training about how to manage conflicts of interest
• Maintaining registers of conflicts of interest and the gifts and incentives we receive, monitored regularly with additional training provided as required
• Undertaking an annual independent Compliance Assurance Review

Our Duties and Obligations to You

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

• Meet the standards of competence, knowledge, and skill set out in the Code of Conduct
• Give priority to the clients' interest
• Exercise care, diligence and skill
• Meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct

Our Internal Complaints Process

If you have a problem, concern, or complaint about any part of our advice or service, please tell us so that we can try to fix the problem.

Our internal complaints manager is Brendon Thornley who can be reached via email at brendon@sentinelfinancial.co.nz or on 022 474 7619.

When we receive your complaint, we will:

• Acknowledge your complaint within 2 working days
• Gather and evaluate information about your complaint
• Aim to resolve the complaint within 20 working days

Our External Complaints Process

If we cannot resolve your complaint, 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). They are an independent, not-for-profit, external dispute resolution service approved by the Minister of Consumer Affairs. FSCL's role is to investigate and fairly resolve complaints. Their service is free.