Home' DEMO : BNZ KiwiSaver Scheme Investment Statement Contents Important information.
(The information in this section is required under the Securities Act 1978.)
Investment decisions are very important. They often have long-term consequences.
Read all documents carefully. Ask questions. Seek advice before committing yourself.
Choosing an investment
When deciding whether to invest, consider carefully the answers to the following questions that can
be found on the pages noted below:
> What sort of investment is this?
> Who is involved in providing it for me?
> What are the charges?
> What returns will I get?
> What are my risks?
> Can the investment be altered?
> How do I cash in my investment?
> Who do I contact with inquiries about my investment?
> Is there anyone to whom I can complain if I have problems with the investment?
> What other information can I obtain about this investment?
In addition to the information in this document, important information can be found in the current
registered prospectus for the investment. You are entitled to a copy of that prospectus on request.
The Financial Markets Authority regulates conduct in financial markets
The Financial Markets Authority regulates conduct in New Zealand’s financial markets. The Financial Markets Authority’s main objective
is to promote and facilitate the development of fair, efficient, and transparent financial markets. For more information about investing
go to www.fma.govt.nz
Financial advisers can help you make investment decisions
Using a financial adviser cannot prevent you from losing money, but it should be able to help you make better investment decisions.
Financial advisers are regulated by the Financial Markets Authority to varying levels, depending on the type of adviser and the nature of the services
they provide. Some financial advisers are only allowed to provide advice on a limited range of products.
When seeking or receiving financial advice, you should check:
> the type of adviser you are dealing with
> the services the adviser can provide you with
> the products the adviser can advise you on
A financial adviser who provides you with personalised financial adviser services may be required to give you a disclosure statement covering these
and other matters. You should ask your adviser about how he or she is paid and any conflicts of interest he or she may have.
Financial advisers must have a complaints process in place and they, or the financial services provider they work for, must belong to a dispute
resolution scheme if they provide services to retail clients. So if there is a dispute over an investment, you can ask someone independent to resolve it.
Most financial advisers, or the financial services provider they work for, must also be registered on the financial service providers register. You can
search for information about registered financial service providers at www.fspr.govt.nz
You can also complain to the Financial Markets Authority if you have concerns about the behaviour of a financial adviser.
Capitalised terms and important definitions
Capitalised terms and important definitions used in this Investment Statement are defined in the “Definitions” section on page 57. Where the words
“us, “we” or “our” are used, they refer to the Manager, BNZ Investment Services Limited. “You”, “your” and “Member” means the person who signs
up to the BNZ KiwiSaver Scheme.
This Investment Statement does not constitute an offer in any jurisdiction other than New Zealand.
Investments made in the BNZ KiwiSaver Scheme do not represent deposits or other liabilities of Bank of New Zealand (“BNZ”) or any other member
of the National Australia Bank Limited group, and are subject to investment risk, including the possible loss of income and principal invested. None
of BNZ, or any other member of the National Australia Bank Limited group, the Trustee, any director of any of them, the Crown or any other person
guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of capital. National Australia Bank
Limited, the ultimate parent of BNZ, is not a registered bank in New Zealand, but it is a licensed bank in Australia and is therefore subject to the
supervision of the Australian Prudential Regulation Authority.
There is no Crown guarantee in respect of any KiwiSaver scheme or investment product of a KiwiSaver scheme.
As a Member, you do not have any direct interest in any particular deposit made by the BNZ KiwiSaver Scheme with BNZ, or any right to require the
transfer to you of any particular deposit made by the BNZ KiwiSaver Scheme with BNZ.
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