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                               Domain Name: filesusr.com
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top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.919804);" role="presentation" dir="ltr">Provincial Insurance Brokers</span><span style="left: calc(var(--scale-factor)*186.01px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*191.54px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">L</span><span style="left: calc(var(--scale-factor)*196.46px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.849606);" role="presentation" dir="ltr">imi</span><span style="left: calc(var(--scale-factor)*209.45px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">t</span><span style="left: calc(var(--scale-factor)*212.81px); 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top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.942791);" role="presentation" dir="ltr">holds a</span><span style="left: calc(var(--scale-factor)*314.97px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*320.45px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">f</span><span style="left: calc(var(--scale-factor)*323.57px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.857179);" role="presentation" dir="ltr">inancial</span><span style="left: calc(var(--scale-factor)*356.66px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*362.11px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">a</span><span style="left: calc(var(--scale-factor)*367.39px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.851359);" role="presentation" dir="ltr">dvice</span><span style="left: calc(var(--scale-factor)*390.02px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*395.47px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">p</span><span style="left: calc(var(--scale-factor)*400.99px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875891);" role="presentation" dir="ltr">rovider</span><span style="left: calc(var(--scale-factor)*431.79px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*437.23px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.847666);" role="presentation" dir="ltr">licence</span><span style="left: calc(var(--scale-factor)*467.11px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*470.13px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*475.54px); top: calc(var(--scale-factor)*150.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.94365);" role="presentation" dir="ltr">issued by the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*164.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880658);" role="presentation" dir="ltr">Financial Markets Authority</span><span style="left: calc(var(--scale-factor)*175.94px); top: calc(var(--scale-factor)*164.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*178.96px); top: calc(var(--scale-factor)*164.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*182.18px); top: calc(var(--scale-factor)*164.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87237);" role="presentation" dir="ltr">to provide financial advice</span><span style="left: calc(var(--scale-factor)*297.17px); top: calc(var(--scale-factor)*164.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*190.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901515);" role="presentation" dir="ltr">Our licence is</span><span style="left: calc(var(--scale-factor)*117.56px); top: calc(var(--scale-factor)*190.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*121.70px); top: calc(var(--scale-factor)*190.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.908563);" role="presentation" dir="ltr">subject to conditions contained in the Act</span><span style="left: calc(var(--scale-factor)*310.13px); top: calc(var(--scale-factor)*190.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.913126);" role="presentation" dir="ltr">, imposed by regulations and imposed by the FMA</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*204.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884455);" role="presentation" dir="ltr">under section 403 of the Act.</span></span><span class="markedContent" id="page3R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.998273);" role="presentation" dir="ltr">Nature and scope of</span><span style="left: calc(var(--scale-factor)*157.24px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*160.34px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.01966);" role="presentation" dir="ltr">financial</span><span style="left: calc(var(--scale-factor)*203.27px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*206.21px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.987466);" role="presentation" dir="ltr">advice</span><span style="left: calc(var(--scale-factor)*238.48px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*241.37px); top: calc(var(--scale-factor)*230.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.996);" role="presentation" dir="ltr">service</span></span><span class="markedContent" id="page3R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.857044);" role="presentation" dir="ltr">We engage financial advisers to provide financial advice</span><span style="left: calc(var(--scale-factor)*297.26px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*300.05px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">o</span><span style="left: calc(var(--scale-factor)*305.45px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">n</span><span style="left: calc(var(--scale-factor)*311.01px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*313.37px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">i</span><span style="left: calc(var(--scale-factor)*315.65px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.866483);" role="presentation" dir="ltr">nsurance</span><span style="left: calc(var(--scale-factor)*355.43px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*357.91px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874565);" role="presentation" dir="ltr">products</span><span style="left: calc(var(--scale-factor)*395.93px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*398.35px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878704);" role="presentation" dir="ltr">on our behalf.</span><span style="left: calc(var(--scale-factor)*458.79px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*461.23px); top: calc(var(--scale-factor)*256.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.861528);" role="presentation" dir="ltr">These are policies</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*270.21px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863923);" role="presentation" dir="ltr">that</span><span style="left: calc(var(--scale-factor)*74.10px); top: calc(var(--scale-factor)*270.21px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*77.30px); top: calc(var(--scale-factor)*270.21px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880639);" role="presentation" dir="ltr">insure your personal or business assets or protect you or your business assets, liabilities and</span><span style="left: calc(var(--scale-factor)*485.44px); top: calc(var(--scale-factor)*270.21px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*489.10px); top: calc(var(--scale-factor)*270.21px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878792);" role="presentation" dir="ltr">personal or</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*284.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872598);" role="presentation" dir="ltr">business income.</span></span><span class="markedContent" id="page3R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*310.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.925619);" role="presentation" dir="ltr">We are not able to provide advice on investment policies but are able to refer you to associates who are</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*323.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875409);" role="presentation" dir="ltr">licensed to provide advice on</span><span style="left: calc(var(--scale-factor)*184.62px); top: calc(var(--scale-factor)*323.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*187.82px); top: calc(var(--scale-factor)*323.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867222);" role="presentation" dir="ltr">such</span><span style="left: calc(var(--scale-factor)*208.01px); top: calc(var(--scale-factor)*323.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*211.13px); top: calc(var(--scale-factor)*323.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88258);" role="presentation" dir="ltr">products.</span></span><span class="markedContent" id="page3R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*349.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">W</span><span style="left: calc(var(--scale-factor)*65.64px); top: calc(var(--scale-factor)*349.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897068);" role="presentation" dir="ltr">e have access to most insurance markets in New Zealand (excluding direct Insurers) along with access to</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*363.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869826);" role="presentation" dir="ltr">overseas markets</span><span style="left: calc(var(--scale-factor)*133.61px); top: calc(var(--scale-factor)*363.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*136.82px); top: calc(var(--scale-factor)*363.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86113);" role="presentation" dir="ltr">as</span><span style="left: calc(var(--scale-factor)*146.54px); top: calc(var(--scale-factor)*363.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*149.66px); top: calc(var(--scale-factor)*363.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884594);" role="presentation" dir="ltr">required.</span></span><span class="markedContent" id="page3R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914201);" role="presentation" dir="ltr">A list of the types of</span><span style="left: calc(var(--scale-factor)*148.25px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*152.06px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888434);" role="presentation" dir="ltr">insurance we can provide financial advice</span><span style="left: calc(var(--scale-factor)*337.57px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*341.59px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883684);" role="presentation" dir="ltr">on</span><span style="left: calc(var(--scale-factor)*352.55px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*356.23px); top: calc(var(--scale-factor)*389.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.9073);" role="presentation" dir="ltr">can be found on our website under “Our</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.84792);" role="presentation" dir="ltr">Services”</span><span style="left: calc(var(--scale-factor)*96.62px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*100.22px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869971);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*116.51px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*120.26px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.894961);" role="presentation" dir="ltr">the product providers who provide such insurance products ca</span><span style="left: calc(var(--scale-factor)*399.43px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.911297);" role="presentation" dir="ltr">n be found</span><span style="left: calc(var(--scale-factor)*448.29px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*452.11px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.905817);" role="presentation" dir="ltr">on page 4</span><span style="left: calc(var(--scale-factor)*497.33px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*500.98px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901765);" role="presentation" dir="ltr">and 5</span><span style="left: calc(var(--scale-factor)*526.43px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*530.14px); top: calc(var(--scale-factor)*403.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903663);" role="presentation" dir="ltr">of</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*417.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874566);" role="presentation" dir="ltr">this document.</span><span style="left: calc(var(--scale-factor)*121.99px); top: calc(var(--scale-factor)*417.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*128.30px); top: calc(var(--scale-factor)*417.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.882185);" role="presentation" dir="ltr">The specific types of</span><span style="left: calc(var(--scale-factor)*218.86px); top: calc(var(--scale-factor)*417.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*222.05px); top: calc(var(--scale-factor)*417.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877222);" role="presentation" dir="ltr">insurance that individual advisers can advise customers on may vary.</span></span><span class="markedContent" id="page3R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.00169);" role="presentation" dir="ltr">Fees</span><span style="left: calc(var(--scale-factor)*79.34px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*82.46px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*85.46px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.992617);" role="presentation" dir="ltr">expenses</span><span style="left: calc(var(--scale-factor)*132.23px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*135.26px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.00439);" role="presentation" dir="ltr">or other amounts</span><span style="left: calc(var(--scale-factor)*222.26px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*225.41px); top: calc(var(--scale-factor)*443.15px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.99022);" role="presentation" dir="ltr">payable</span></span><span class="markedContent" id="page3R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*469.07px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87828);" role="presentation" dir="ltr">Life and</span><span style="left: calc(var(--scale-factor)*91.64px); top: calc(var(--scale-factor)*469.07px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*94.94px); top: calc(var(--scale-factor)*469.07px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874069);" role="presentation" dir="ltr">Health Policies</span></span><span class="markedContent" id="page3R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.987798);" role="presentation" dir="ltr">We do not charge any</span><span style="left: calc(var(--scale-factor)*164.60px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*170.42px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871579);" role="presentation" dir="ltr">fee</span><span style="left: calc(var(--scale-factor)*184.22px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*187.24px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*192.98px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862947);" role="presentation" dir="ltr">expense</span><span style="left: calc(var(--scale-factor)*229.15px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*235.01px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.946341);" role="presentation" dir="ltr">or other amount</span><span style="left: calc(var(--scale-factor)*312.07px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*317.93px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.96329);" role="presentation" dir="ltr">for the</span><span style="left: calc(var(--scale-factor)*349.90px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*355.87px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.859967);" role="presentation" dir="ltr">financial</span><span style="left: calc(var(--scale-factor)*392.07px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*397.87px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.903513);" role="presentation" dir="ltr">advice provide</span><span style="left: calc(var(--scale-factor)*464.11px); top: calc(var(--scale-factor)*494.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.0453);" role="presentation" dir="ltr">d to you or for</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.875555);" role="presentation" dir="ltr">implementing that advice</span><span style="left: calc(var(--scale-factor)*169.22px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.942926);" role="presentation" dir="ltr">. Our re</span><span style="left: calc(var(--scale-factor)*204.89px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">m</span><span style="left: calc(var(--scale-factor)*213.29px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">u</span><span style="left: calc(var(--scale-factor)*218.81px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">n</span><span style="left: calc(var(--scale-factor)*224.33px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901331);" role="presentation" dir="ltr">eration is paid by the</span><span style="left: calc(var(--scale-factor)*319.92px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*323.81px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878615);" role="presentation" dir="ltr">insurance providers</span><span style="left: calc(var(--scale-factor)*410.36px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*414.19px); top: calc(var(--scale-factor)*508.79px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.894056);" role="presentation" dir="ltr">that we place the insurance</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*522.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873521);" role="presentation" dir="ltr">policy with</span><span style="left: calc(var(--scale-factor)*103.45px); top: calc(var(--scale-factor)*522.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*106.58px); top: calc(var(--scale-factor)*522.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883633);" role="presentation" dir="ltr">on your behalf</span><span style="left: calc(var(--scale-factor)*170.54px); top: calc(var(--scale-factor)*522.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884842);" role="presentation" dir="ltr">, by way of commission</span><span style="left: calc(var(--scale-factor)*274.25px); top: calc(var(--scale-factor)*522.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page3R_mcid12"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*548.63px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884137);" role="presentation" dir="ltr">Fire and General Policies</span></span><span class="markedContent" id="page3R_mcid13"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*574.43px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893358);" role="presentation" dir="ltr">We do not charge a fee for the advice given to you but may charge a fee for implementing that advice. This</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.890713);" role="presentation" dir="ltr">fee will</span><span style="left: calc(var(--scale-factor)*88.15px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*91.82px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.90055);" role="presentation" dir="ltr">be based on our standard fee structure or</span><span style="left: calc(var(--scale-factor)*279.86px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*283.73px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.908886);" role="presentation" dir="ltr">on the amount of work and</span><span style="left: calc(var(--scale-factor)*406.77px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*410.59px); top: calc(var(--scale-factor)*588.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.894428);" role="presentation" dir="ltr">time required to provide and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*602.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885264);" role="presentation" dir="ltr">implement our advice to you</span><span style="left: calc(var(--scale-factor)*184.10px); top: calc(var(--scale-factor)*602.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*187.12px); top: calc(var(--scale-factor)*602.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*190.58px); top: calc(var(--scale-factor)*602.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897303);" role="presentation" dir="ltr">The amount of this fee will be disclosed either at the time we know the scope</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.908699);" role="presentation" dir="ltr">and nature of the advice required or</span><span style="left: calc(var(--scale-factor)*220.96px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*225.05px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.913298);" role="presentation" dir="ltr">when we provide our advice to you.</span><span style="left: calc(var(--scale-factor)*387.73px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*395.71px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897583);" role="presentation" dir="ltr">The</span><span style="left: calc(var(--scale-factor)*412.33px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*416.35px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.907011);" role="presentation" dir="ltr">fee will be included in</span><span style="left: calc(var(--scale-factor)*515.02px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*519.10px); top: calc(var(--scale-factor)*616.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872724);" role="presentation" dir="ltr">your</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*630.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880915);" role="presentation" dir="ltr">invoice and will be payable on the payment of your premium.</span></span><span class="markedContent" id="page3R_mcid14"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*655.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.01355);" role="presentation" dir="ltr">Conflicts of interest</span><span style="left: calc(var(--scale-factor)*155.02px); top: calc(var(--scale-factor)*655.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*158.06px); top: calc(var(--scale-factor)*655.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.00078);" role="presentation" dir="ltr">and commissions or other incentives</span></span><span class="markedContent" id="page3R_mcid15"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886592);" role="presentation" dir="ltr">Provincial Insurance Brokers</span><span style="left: calc(var(--scale-factor)*181.34px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*184.46px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869971);" role="presentation" dir="ltr">and</span><span style="left: calc(var(--scale-factor)*200.75px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*203.81px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886072);" role="presentation" dir="ltr">our</span><span style="left: calc(var(--scale-factor)*218.42px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*221.57px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862225);" role="presentation" dir="ltr">financial adviser</span><span style="left: calc(var(--scale-factor)*292.25px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">s</span><span style="left: calc(var(--scale-factor)*296.69px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*299.81px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88001);" role="presentation" dir="ltr">will r</span><span style="left: calc(var(--scale-factor)*320.69px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871752);" role="presentation" dir="ltr">eceive commission from the insurance</span><span style="left: calc(var(--scale-factor)*488.62px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*491.86px); top: calc(var(--scale-factor)*681.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86487);" role="presentation" dir="ltr">companies</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*695.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88678);" role="presentation" dir="ltr">on whose</span><span style="left: calc(var(--scale-factor)*98.69px); top: calc(var(--scale-factor)*695.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*101.78px); top: calc(var(--scale-factor)*695.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.853942);" role="presentation" dir="ltr">policies</span><span style="left: calc(var(--scale-factor)*133.81px); top: calc(var(--scale-factor)*695.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*136.94px); top: calc(var(--scale-factor)*695.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.880369);" role="presentation" dir="ltr">we give advice. If you decide to take out a policy, the insurer will pay us commission based</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*709.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884352);" role="presentation" dir="ltr">on</span><span style="left: calc(var(--scale-factor)*67.61px); top: calc(var(--scale-factor)*709.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*70.70px); top: calc(var(--scale-factor)*709.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87394);" role="presentation" dir="ltr">the premium</span><span style="left: calc(var(--scale-factor)*126.90px); top: calc(var(--scale-factor)*709.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*130.22px); top: calc(var(--scale-factor)*709.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901881);" role="presentation" dir="ltr">that you pay.</span></span><span class="markedContent" id="page3R_mcid16"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*735.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.955456);" role="presentation" dir="ltr">Premium funding products enable you to pay the insurance premium over the term of</span><span style="left: calc(var(--scale-factor)*466.22px); top: calc(var(--scale-factor)*735.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*472.42px); top: calc(var(--scale-factor)*735.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.914649);" role="presentation" dir="ltr">your policy</span><span style="left: calc(var(--scale-factor)*522.59px); top: calc(var(--scale-factor)*735.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*528.10px); top: calc(var(--scale-factor)*735.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867115);" role="presentation" dir="ltr">by</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*749.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89239);" role="presentation" dir="ltr">instalments rather than as one amount. Premium funders charge interest and they take a power of attorney</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="2" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 2" data-loaded="true"><div class="canvasWrapper"><canvas role="presentation" style="width: 993px; height: 1404px;" width="993" height="1404"><span class="structTree"><span><span aria-owns="page22R_mcid0"></span><span aria-owns="page22R_mcid1"></span><span aria-owns="page22R_mcid2"></span><span aria-owns="page22R_mcid3"></span><span aria-owns="page22R_mcid4"></span><span aria-owns="page22R_mcid5"></span><span aria-owns="page22R_mcid6"></span><span aria-owns="page22R_mcid7"></span><span role="list"><span role="listitem"><span aria-owns="page22R_mcid8"></span></span><span role="listitem"><span aria-owns="page22R_mcid9"></span></span><span role="listitem"><span aria-owns="page22R_mcid10"></span></span><span role="listitem"><span aria-owns="page22R_mcid11"></span></span></span></span></span></canvas></div><div class="textLayer" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0"><span class="markedContent"><span style="left: calc(var(--scale-factor)*505.78px); top: calc(var(--scale-factor)*811.98px); font-size: calc(var(--scale-factor)*9.00px); font-family: sans-serif;" role="presentation" dir="ltr">2</span></span><span class="markedContent" id="page22R_mcid0"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*93.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89384);" role="presentation" dir="ltr">over your insurance policy this means they have the ability to cancel your insurance policy if you fail to pay</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*107.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867311);" role="presentation" dir="ltr">an instalment</span><span style="left: calc(var(--scale-factor)*116.30px); top: calc(var(--scale-factor)*107.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page22R_mcid1"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.924164);" role="presentation" dir="ltr">We</span><span style="left: calc(var(--scale-factor)*70.86px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*75.14px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.910993);" role="presentation" dir="ltr">(or</span><span style="left: calc(var(--scale-factor)*87.95px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*92.18px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.879428);" role="presentation" dir="ltr">our</span><span style="left: calc(var(--scale-factor)*106.69px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*111.02px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.898866);" role="presentation" dir="ltr">shareholders) own</span><span style="left: calc(var(--scale-factor)*193.79px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*198.02px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900364);" role="presentation" dir="ltr">Provincial Insurance Premiums Limited,</span><span style="left: calc(var(--scale-factor)*374.49px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*378.91px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.901936);" role="presentation" dir="ltr">a premium funding company</span><span style="left: calc(var(--scale-factor)*509.02px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*512.04px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*520.40px); top: calc(var(--scale-factor)*132.90px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895666);" role="presentation" dir="ltr">This</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863576);" role="presentation" dir="ltr">company</span><span style="left: calc(var(--scale-factor)*96.26px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*99.86px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*118.48px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*122.18px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88065);" role="presentation" dir="ltr">fund</span><span style="left: calc(var(--scale-factor)*141.95px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*145.58px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872724);" role="presentation" dir="ltr">your</span><span style="left: calc(var(--scale-factor)*165.11px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*168.74px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871722);" role="presentation" dir="ltr">premium</span><span style="left: calc(var(--scale-factor)*207.79px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*211.49px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.87147);" role="presentation" dir="ltr">allowing</span><span style="left: calc(var(--scale-factor)*247.46px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*251.09px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.899567);" role="presentation" dir="ltr">you to spread the payments over the term of</span><span style="left: calc(var(--scale-factor)*453.64px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*457.51px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867828);" role="presentation" dir="ltr">your</span><span style="left: calc(var(--scale-factor)*476.93px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*480.58px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.856676);" role="presentation" dir="ltr">policy</span><span style="left: calc(var(--scale-factor)*505.66px); top: calc(var(--scale-factor)*146.82px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.964857);" role="presentation" dir="ltr">. If you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.896829);" role="presentation" dir="ltr">enter into a</span><span style="left: calc(var(--scale-factor)*108.70px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*112.46px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884108);" role="presentation" dir="ltr">premium funding</span><span style="left: calc(var(--scale-factor)*188.33px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*192.02px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.890995);" role="presentation" dir="ltr">arrangement with this company we</span><span style="left: calc(var(--scale-factor)*349.81px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*353.83px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">m</span><span style="left: calc(var(--scale-factor)*362.23px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.854052);" role="presentation" dir="ltr">ay</span><span style="left: calc(var(--scale-factor)*372.47px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*376.03px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878618);" role="presentation" dir="ltr">receive a</span><span style="left: calc(var(--scale-factor)*416.14px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*420.07px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864779);" role="presentation" dir="ltr">commission</span><span style="left: calc(var(--scale-factor)*471.33px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*475.06px); top: calc(var(--scale-factor)*160.74px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.897908);" role="presentation" dir="ltr">of the amount</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876871);" role="presentation" dir="ltr">they fund.</span><span style="left: calc(var(--scale-factor)*101.36px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*104.30px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881891);" role="presentation" dir="ltr">The amount of this</span><span style="left: calc(var(--scale-factor)*187.36px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*190.34px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864947);" role="presentation" dir="ltr">commission</span><span style="left: calc(var(--scale-factor)*241.61px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*244.49px); top: calc(var(--scale-factor)*174.54px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877572);" role="presentation" dir="ltr">will be disclosed to you when we know the scope and nature of the</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.890592);" role="presentation" dir="ltr">advice required and whether you intend to utilise the services of a</span><span style="left: calc(var(--scale-factor)*352.01px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*355.99px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.882726);" role="presentation" dir="ltr">premium funder</span><span style="left: calc(var(--scale-factor)*427.27px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span><span style="left: calc(var(--scale-factor)*430.29px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*433.75px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.889793);" role="presentation" dir="ltr">This</span><span style="left: calc(var(--scale-factor)*451.86px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*455.35px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864779);" role="presentation" dir="ltr">commission</span><span style="left: calc(var(--scale-factor)*506.61px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*510.10px); top: calc(var(--scale-factor)*188.46px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.888509);" role="presentation" dir="ltr">will be</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*202.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887437);" role="presentation" dir="ltr">paid to us directly from the premium funder.</span></span><span class="markedContent" id="page22R_mcid2"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891886);" role="presentation" dir="ltr">We are a</span><span style="left: calc(var(--scale-factor)*95.80px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*98.66px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870131);" role="presentation" dir="ltr">member of Steadfast NZ Limited (Steadfast). Steadfast suppli</span><span style="left: calc(var(--scale-factor)*367.15px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.857862);" role="presentation" dir="ltr">es</span><span style="left: calc(var(--scale-factor)*376.86px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*379.63px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872573);" role="presentation" dir="ltr">technology platforms,</span><span style="left: calc(var(--scale-factor)*474.83px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*477.70px); top: calc(var(--scale-factor)*228.18px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871536);" role="presentation" dir="ltr">management,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.88363);" role="presentation" dir="ltr">marketing, professional, technical</span><span style="left: calc(var(--scale-factor)*206.09px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">,</span><span style="left: calc(var(--scale-factor)*209.11px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*212.93px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895663);" role="presentation" dir="ltr">and buying benefits and services to</span><span style="left: calc(var(--scale-factor)*372.61px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*376.63px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874562);" role="presentation" dir="ltr">support</span><span style="left: calc(var(--scale-factor)*410.06px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*413.95px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876708);" role="presentation" dir="ltr">us</span><span style="left: calc(var(--scale-factor)*424.03px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*427.87px); top: calc(var(--scale-factor)*242.10px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89488);" role="presentation" dir="ltr">in providing our financial</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*256.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858222);" role="presentation" dir="ltr">advice services</span><span style="left: calc(var(--scale-factor)*122.54px); top: calc(var(--scale-factor)*256.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page22R_mcid3"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*281.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874444);" role="presentation" dir="ltr">Steadfast has arrangements with insur</span><span style="left: calc(var(--scale-factor)*226.25px); top: calc(var(--scale-factor)*281.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867654);" role="presentation" dir="ltr">ance companies</span><span style="left: calc(var(--scale-factor)*296.75px); top: calc(var(--scale-factor)*281.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*299.93px); top: calc(var(--scale-factor)*281.85px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.872096);" role="presentation" dir="ltr">under which Steadfast receives a professional services</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89324);" role="presentation" dir="ltr">fee of up to 1.5% of the premium</span><span style="left: calc(var(--scale-factor)*205.03px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*208.25px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86357);" role="presentation" dir="ltr">paid</span><span style="left: calc(var(--scale-factor)*226.83px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*229.85px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877145);" role="presentation" dir="ltr">for each policy arranged by us with those insurers</span><span style="left: calc(var(--scale-factor)*449.23px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.877495);" role="presentation" dir="ltr">. Steadfast</span><span style="left: calc(var(--scale-factor)*496.43px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*499.54px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.858241);" role="presentation" dir="ltr">may</span><span style="left: calc(var(--scale-factor)*518.16px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*521.14px); top: calc(var(--scale-factor)*295.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.86353);" role="presentation" dir="ltr">also</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871854);" role="presentation" dir="ltr">receive a fee of</span><span style="left: calc(var(--scale-factor)*124.07px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*127.10px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.893808);" role="presentation" dir="ltr">0.5% of any amount</span><span style="left: calc(var(--scale-factor)*217.44px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*220.49px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.871532);" role="presentation" dir="ltr">a customer has</span><span style="left: calc(var(--scale-factor)*287.51px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*290.57px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.900651);" role="presentation" dir="ltr">funded through a premium funder. These</span><span style="left: calc(var(--scale-factor)*475.63px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*478.78px); top: calc(var(--scale-factor)*309.69px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870342);" role="presentation" dir="ltr">payments are</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*323.49px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878484);" role="presentation" dir="ltr">used to operate Steadfast.</span></span><span class="markedContent" id="page22R_mcid4"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874269);" role="presentation" dir="ltr">A financial adviser</span><span style="left: calc(var(--scale-factor)*136.83px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*140.30px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885137);" role="presentation" dir="ltr">may have a conflict of interest</span><span style="left: calc(var(--scale-factor)*274.93px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*278.57px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.870494);" role="presentation" dir="ltr">in circumstances</span><span style="left: calc(var(--scale-factor)*351.80px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*355.27px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884284);" role="presentation" dir="ltr">where</span><span style="left: calc(var(--scale-factor)*382.31px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*385.75px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862569);" role="presentation" dir="ltr">financial</span><span style="left: calc(var(--scale-factor)*422.06px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*425.59px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.850318);" role="presentation" dir="ltr">advice</span><span style="left: calc(var(--scale-factor)*453.38px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*456.79px); top: calc(var(--scale-factor)*349.41px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883503);" role="presentation" dir="ltr">has been provided</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.919468);" role="presentation" dir="ltr">to two clients who later have a dispute</span><span style="left: calc(var(--scale-factor)*235.13px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.919791);" role="presentation" dir="ltr">, including in respect of</span><span style="left: calc(var(--scale-factor)*342.60px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*346.87px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.917602);" role="presentation" dir="ltr">liability. In this instance</span><span style="left: calc(var(--scale-factor)*454.12px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*458.47px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886065);" role="presentation" dir="ltr">the adviser</span><span style="left: calc(var(--scale-factor)*508.08px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*512.38px); top: calc(var(--scale-factor)*363.33px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885744);" role="presentation" dir="ltr">would</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*377.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885317);" role="presentation" dir="ltr">clearly disclose the conflict</span><span style="left: calc(var(--scale-factor)*176.38px); top: calc(var(--scale-factor)*377.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*180.62px); top: calc(var(--scale-factor)*377.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.89339);" role="presentation" dir="ltr">of interest</span><span style="left: calc(var(--scale-factor)*226.15px); top: calc(var(--scale-factor)*377.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*230.21px); top: calc(var(--scale-factor)*377.13px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.918341);" role="presentation" dir="ltr">to the clients and would refer one of these clients to another of our</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*391.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.863223);" role="presentation" dir="ltr">financial advisers</span><span style="left: calc(var(--scale-factor)*131.69px); top: calc(var(--scale-factor)*391.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*135.02px); top: calc(var(--scale-factor)*391.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.874975);" role="presentation" dir="ltr">for further advice and assistance</span><span style="left: calc(var(--scale-factor)*279.05px); top: calc(var(--scale-factor)*391.05px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">.</span></span><span class="markedContent" id="page22R_mcid5"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*416.97px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.896581);" role="presentation" dir="ltr">We manage all conflicts of interest,</span><span style="left: calc(var(--scale-factor)*214.37px); top: calc(var(--scale-factor)*416.97px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*218.21px); top: calc(var(--scale-factor)*416.97px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869856);" role="presentation" dir="ltr">ensurin</span><span style="left: calc(var(--scale-factor)*250.49px); top: calc(var(--scale-factor)*416.97px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.892491);" role="presentation" dir="ltr">g our financial advisers prioritise your interests above their own,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*430.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.891933);" role="presentation" dir="ltr">by following an advice process that ensures our recommendations are made on the basis of your</span><span style="left: calc(var(--scale-factor)*488.59px); top: calc(var(--scale-factor)*430.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*492.70px); top: calc(var(--scale-factor)*430.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864547);" role="presentation" dir="ltr">needs</span><span style="left: calc(var(--scale-factor)*518.71px); top: calc(var(--scale-factor)*430.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*522.22px); top: calc(var(--scale-factor)*430.77px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.869971);" role="presentation" dir="ltr">and</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*444.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.864731);" role="presentation" dir="ltr">circumstances.</span><span style="left: calc(var(--scale-factor)*121.53px); top: calc(var(--scale-factor)*444.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*124.94px); top: calc(var(--scale-factor)*444.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884883);" role="presentation" dir="ltr">All of our financial advisers complete training to understand and man</span><span style="left: calc(var(--scale-factor)*432.07px); top: calc(var(--scale-factor)*444.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884461);" role="presentation" dir="ltr">age conflicts of interest.</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*458.63px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.906427);" role="presentation" dir="ltr">We maintain a register of conflicts of interests a</span><span style="left: calc(var(--scale-factor)*273.89px); top: calc(var(--scale-factor)*458.63px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr">n</span><span style="left: calc(var(--scale-factor)*279.41px); top: calc(var(--scale-factor)*458.63px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.90827);" role="presentation" dir="ltr">d any gifts and other incentives that we may receive. We</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*472.43px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.882305);" role="presentation" dir="ltr">review our compliance programme annually.</span></span><span class="markedContent" id="page22R_mcid6"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*498.35px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(1.00472);" role="presentation" dir="ltr">Duties</span></span><span class="markedContent" id="page22R_mcid7"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*524.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.889991);" role="presentation" dir="ltr">Provincial Insurance Brokers</span><span style="left: calc(var(--scale-factor)*181.82px); top: calc(var(--scale-factor)*524.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*185.30px); top: calc(var(--scale-factor)*524.27px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.887731);" role="presentation" dir="ltr">and our financial advisers are bound by the following duties under the Financial</span><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*538.07px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.885483);" role="presentation" dir="ltr">Markets Conduct Act 2013 to:</span></span><span class="markedContent" id="page22R_mcid8"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*565.47px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*60.34px); top: calc(var(--scale-factor)*565.47px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*563.99px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.867363);" role="presentation" dir="ltr">meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*577.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878515);" role="presentation" dir="ltr">for Financial Advice Services (Code of Conduct</span><span style="left: calc(var(--scale-factor)*306.65px); top: calc(var(--scale-factor)*577.91px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.886074);" role="presentation" dir="ltr">), which form part of the wider regulatory regime for</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*591.71px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.878853);" role="presentation" dir="ltr">financial advice and ensure we have the expertise necessary to provide you with advice; and</span></span><span class="markedContent" id="page22R_mcid9"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*619.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*60.34px); top: calc(var(--scale-factor)*619.14px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*617.66px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.883939);" role="presentation" dir="ltr">give priority to your interests by taking all reasonable steps to ensure that the advice given to you</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*631.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.862969);" role="presentation" dir="ltr">is not m</span><span style="left: calc(var(--scale-factor)*137.66px); top: calc(var(--scale-factor)*631.58px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.868627);" role="presentation" dir="ltr">aterially influenced by our own interests or the interests of any other person connected with</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*645.38px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.881684);" role="presentation" dir="ltr">the giving of advice; and</span></span><span class="markedContent" id="page22R_mcid10"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*672.78px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*60.34px); top: calc(var(--scale-factor)*672.78px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*671.30px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873709);" role="presentation" dir="ltr">exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*685.22px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.876192);" role="presentation" dir="ltr">financial advice would in the same</span><span style="left: calc(var(--scale-factor)*254.22px); top: calc(var(--scale-factor)*685.22px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*257.57px); top: calc(var(--scale-factor)*685.22px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.873756);" role="presentation" dir="ltr">circumstances; and</span></span><span class="markedContent" id="page22R_mcid11"><br role="presentation"><span style="left: calc(var(--scale-factor)*56.64px); top: calc(var(--scale-factor)*712.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr">•</span><span style="left: calc(var(--scale-factor)*60.34px); top: calc(var(--scale-factor)*712.50px); font-size: calc(var(--scale-factor)*8.04px); font-family: sans-serif;" role="presentation" dir="ltr"> </span><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*711.02px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.895959);" role="presentation" dir="ltr">meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct,</span><br role="presentation"><span style="left: calc(var(--scale-factor)*102.86px); top: calc(var(--scale-factor)*724.94px); font-size: calc(var(--scale-factor)*9.96px); font-family: sans-serif; transform: scaleX(0.884188);" role="presentation" dir="ltr">to treat you as we should and to provide you with suitable advice.</span></span><div class="endOfContent"></div></div><div class="annotationLayer" hidden=""></div><div class="annotationEditorLayer" tabindex="0" style="pointer-events: none; width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" data-main-rotation="0" hidden=""></div></div><div class="page" data-page-number="3" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 3"></div><div class="page" data-page-number="4" role="region" style="width: calc(var(--scale-factor) * 595.32px); height: calc(var(--scale-factor) * 842.04px);" aria-label="Page 4"></div><div class="page" data-page-number="5" role="region" style="width: calc(var(--scale-factor) * 595.32px); 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