Appendix A

Part 4 of the Securities Market Act 1988
Disclosure
Peter Hensley

Peter Hensley via The Money People Ltd, is eligible to receive brokerage on the following products according to the schedule below.  

As a general rule, Peter Hensley and The Money People Ltd do not charge any entry fees for clients who elect to utilise a managed fund as an investment vehicle.

Product	Product Provider	Maximum Initial Brokerage as a %	Ongoing % of Total Investment
Direct Fixed Interest & direct Equities	Direct Broking Ltd	0.5 %   Minimum of $50 per trade	Nil
Unit Trusts	B T Funds Management	2.5	0.35
	B T Funds Management NZ	4.0	0.35
	ING	5.0	0.25
	Tower	5.0	0.25
	AXA	5.0	0.25
	Private Portfolio Service	5.0	1.00
Cash Management	Macquarie GEAA	Nil	0.25
ING KiwiSaver	Income Funds	Nil	0.15
	Conservative	Nil	0.20
	Growth Funds	Nil	0.25
OM-IP Man Investments		4 %	0.50 after 24 months
NZDMO	Kiwi Bonds	6 mths 0.25 1 yr 0.375 2 yr 0.50	Nil
Trusts and Fixed Interest Investments	AXA Mortgage Backed	Nil	0.25
	South Canterbury Finance	6 mths - 0.25 12 mths 0.50 18 mths 0.75 24 mths 1.0 36 mths 1.50	Nil
	Equitable	0.50 per year	Nil
	Marac Fiance	6 mths 0.25 12 mths 0.50 18 mths 0.75 24 mths 1.0 36 mths 1.50	Nil
	UDC Finance	0.25 % pa in arrears	Nil
	Farmers Mutual Finance	6 mths - 0.20 12 mths 0.50 24 mths 0.75 36 mths 1.0	Nil
	Allied Nationwide	6 mths 0.25 12 mths 0.50 18 mths 0.75 24 mths 1.0 36 mths 1.50	Nil
	Other Finance Companies from time to time	Rates similar to those outlined above.	Nil

These are almost always issued by large companies to raise money for spending on their own projects and development. Usually offer fixed rates for long terms (5-10 years) or sometimes on a perpetual basis, i.e. they never mature but can be sold at any time).

Most debt issuers use a range of investment (merchant) banks to assist with this form of capital raising. The Money People Ltd have relationships with (but not limited to) ANZ Institutional, Direct Broking, Westpac Institutional Bank, First NZ Capital, Forsyth Barr, GSJB Were. Peter & The Money People Ltd are eligible to receive a proportion of the brokerage payable by the issuers. This will vary from issue to issue and is likely to vary from 0.25% to 1.50% of the invested amount.

The Money People also has a supplier arrangement with Sentinel LifeTime Loans.
Brokerage payable is a one off payment of 1.5% of the settled amount of the loan plus $200. Should a further draw down occur a further brokerage of 1.5% of the extra draw down amount is paid as brokerage.

From time to time, Peter Hensley 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 etc.

Peter also has a policy to fully disclose any and all of these invitations in his regular newsletters.

Quick Links

• Disclaimer & Disclosure
• Appendix B & C 

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