Disclosure Statement

DISCLOSURE STATEMENT

(Financial Advisor)

Name of financial adviser: Douglas Raymond Smith

Address: Physical:153 Featherston Street, Palmerston North 4410

Postal: P O Box 4522, Palmerston North 4442

Trading name: Doug Smith & Associates

Telephone number: 06 357 1712

Website:

Email address: doug.smith@inspire.net.nz

This disclosure statement was prepared on: 26

June 2012

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:

Risk Products (Category 2) including the following insurance covers:

Life

Accidental Death

Trauma/Critical illness

Disability/ Income Protection

Business Overheads

Key Person

Mortgage Protection

Permanent Disablement

Medical/ Health

Version 12-06

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Parent category: Legal