Publicly Available Disclosure

Company Name: AQ Mortgages Limited, Mihali Enterprises Limited trading as Bozinoff Mortgages

FSP Number: FSP1009181

Phone Number: 022 678 6088

Email: annie@bml.net.nz

We operate as a Financial Advice Provider under a current licence issued by the Financial Markets Authority, under the name of NZ Financial Services Group Limited (FSP286965).

There are no conditions attached to this licence that limit the advice we may provide.

We provide advice to our clients about home loan products.

When a loan settles, we usually receive a commission from the relevant product provider. This is generally an upfront commission, but may also include a renewal or trail commission.

We may also receive a fixed-rate rollover fee from some product providers if we assist you with refinancing your loan.

This commission is used to pay the financial adviser providing the advice and to cover the costs of running our business, such as rent, staff salaries, and IT resources. A portion of the commission is also paid to NZ Financial Services Group Limited for services related to our authorisation under their licence.

We take steps to ensure that receiving commissions does not influence the advice we give. Our advisers prioritise your interests and recommend the best product for your needs, regardless of the type or amount of commission received.

We ensure this by:

• Requiring advisers to follow an advice process that focuses on understanding your needs and goals.
• Providing ongoing training to advisers on managing conflicts of interest.
• Supplying you with a schedule showing the commission amounts and types by product provider. This schedule is included in each adviser's personalised Disclosure Guide.

Your financial adviser will give you more detailed information about commissions during the advice process.

In general, we do not charge a fee for the advice and transaction services we provide, as we usually receive a commission from the product provider once your mortgage is settled.

However, there are two exceptions:

• No Commission Received:
  If you request services related to a product or provider we are not accredited with or that falls outside our usual arrangements, we may charge a one-off fee. This fee would be agreed with you in writing before we begin, based on an estimate of the time required.
• Clawback of Commission:
  If a product provider requires us to repay commission within 28 months of settlement (e.g., due to early repayment of your loan), we may charge a fee to recover this loss. This fee would not exceed $3,000 + GST and is calculated at $250 + GST per hour of the adviser's time. The fee will never exceed the amount of commission we are required to repay.

If a fee applies, we will invoice you and you'll have 30 days to make payment.

Any potential conflicts of interest—other than commissions—will be disclosed in your financial adviser's personalised Disclosure Guide.

If you have a complaint about our service, please let us know.

You can contact our internal complaints service by calling 022 678 6088 or emailing annie@bml.net.nz with the subject line: Complaint - [Your Name].

Please outline the nature of your complaint and the resolution you are seeking. We will acknowledge your complaint within 24 hours. It will be recorded in our Complaints Register, and our Licence Holder will be notified. We may request a meeting to better understand your concerns.

We will investigate and respond within 7 working days. If more time is needed, we'll let you know.

If we cannot resolve the issue, you may refer your complaint to our external dispute resolution service, which is free and independent:

• Financial Services Complaints Limited
• Phone: 0800 347 257
• Email: complaints@fscl.org.nz

All individuals within our business who give financial advice are bound by the duties outlined in the Financial Markets Conduct Act 2013, which include:

• Meeting the standards of competence, knowledge, and skill, as well as the standards of ethical behaviour, conduct, and client care as set out in the Code of Professional Conduct for Financial Advice Providers.
• Giving priority to your interests.
• Exercising care, diligence, and skill in all dealings.