October-December 2015
News from Heartland Bank
Heartland Bank
offers new business support
An objective look at the
ECONOMY
Indulge in Chelsea’s
fudgey chocolate truffles
Planning for all three
stages of retirement
See inside for this and more
Looking positive
What’s inside?
News
O
ne thing that is topical for many Heartland
customers is interest rates.
The Reserve Bank of New Zealand has cut the
Official Cash Rate three times since the beginning of
June and, unfortunately for our depositors, the market is
predicting that rates will remain low for longer.
I feel that sometimes the media is more pessimistic
about the economy than realistic, maybe it sells more
papers; however, in my view the negative influence
of recent economic commentary poses the risk of an
overreaction by businesses and consumers alike.
In his economic outlook article on page 4, Heartland Treasurer Mark De Ree
highlights that, while economic indicators have deteriorated, New Zealand’s
economic fundamentals remain sound. In fact, relative to many of our peers,
our performance has been strong and this is expected to continue.
Heartland Bank offers “outstanding
value” and “rising star” products 02
Strong results for Heartland
New Zealand Limited
02
Heartland Bank launches
‘Open for Business’
02
Features
Heartland itself continues to perform well, with our parent company, NZX-listed
Heartland New Zealand Limited, producing a record profit for the year ended
30 June 2015. You can read more details about this on page 2.
Heartland is proud to be a different kind of bank – it’s why we are
“New Zealand’s specialist bank”. We try and demonstrate this difference in a
number of ways – our products, our people and our service. In September,
we launched a new site for small-to-medium sized enterprises
openforbusiness.co.nz. ‘Open for Business’ takes some of the hassle
out of business finance, while still applying a robust and prudent credit approach.
We have more information about Open for Business on page 2.
If you are like me and love finding out inspiring and interesting stories about
New Zealanders, you will really enjoy reading about Nancy Wake (The White Mouse),
who was, at one stage, the Gestapo’s most-wanted person during World War II.
It’s a fascinating story and her bravery is a trait I’m sure many of us could aspire to.
We also have two popular regular features in this edition of the Heartlander – you
can order your 2016 pocket diary and we have a great Christmas recipe from 2012
Masterchef champion and former Heartlander Chelsea Winter.
Home Equity Loans help seniors
to fund the lifestyle they want
03
Economic outlook sees both sides
04
Readying Kiwis for the three
phases of retirement
05
Find out about Kiwi heroine Nancy
Wake who was one of the
Allies’ most decorated servicewomen 06
I hope you enjoy the read. As always, I welcome any feedback and thank you for your
continued support.
Keep up the Christmas spirit all
year round with Chelsea Winter’s
chocolate truffles
Andrew Ford
National Manager Retail
• Great Rate
• No Fees
• No Term
• No Strings
1
3 60
07
Interest paid monthly.
Interest rate subject
to change. Maximum
balance $5m.
Open for business
Heartland Bank supporting New Zealanders’ entrepreneurial endeavours
N
ew Zealanders are known for their
entrepreneurial attitudes and the
numbers substantiate the story –
there are 460,000 small-to-medium sized
enterprises (SMEs) in the country and they
employ one in three New Zealand workers.
Heartland, who has a long history of
supporting SMEs, is passionate about helping
the backbone of the New Zealand economy
take their businesses to the next level. With
that in mind, Heartland is excited to announce
the launch of openforbusiness.co.nz, its
online lending site for SMEs.
Home Truths
Little-known facts about NZ
The Te Waikoropupu
Springs in Golden
Bay push out 14,000
litres of water per
second – over a day,
that’s enough to fill
nearly 3.5 million
bath tubs!!
SMEs make up about 97 percent of businesses
in the country and contribute a third of
New Zealand’s gross domestic product.
They are represented in every industry in the
country and Heartland is pleased to support
them with an online loan option.
‘Open for Business’ is a quick and simple
option – it allows a business to complete a
straightforward online application form in
minutes, and to expect a decision in days. No
more waiting for an appointment, endless
form filling and drawn-out decision making.
Heartland Bank is delighted by the response
received to its advertising campaign, with
applications exceeding expectations.
If you would like to know more, visit
openforbusiness.co.nz and experience the
Heartland difference.
Strong results for
Heartland New Zealand Limited
H
eartland Bank’s parent company,
Heartland New Zealand Limited
(Heartland New Zealand), recently
announced its annual results for the year
ended 30 June 2015. Heartland New Zealand
Managing Director, Jeff Greenslade, says
the financial year had been one of “strong
asset growth, increased profitability and the
achievement of key milestones”.
Heartland New Zealand achieved a net
profit after tax (NPAT) of $48.2m for year
ended 30 June 2015 , an increase of 34%
from the previous financial year. In addition
to a strong financial performance,
Heartland New Zealand’s strategy and
business position was endorsed through an
upgrade (in October 2014) to the credit
rating for Heartland Bank to BBB
(Outlook Stable) from Fitch Ratings.
Looking forward, a key focus for
Heartland New Zealand will be the
development of new financial technology,
such as openforbusiness.co.nz, to
improve distribution to the consumer and
SME markets, particularly in areas that are
underserviced by the major banks.
In the financial year ahead, strong asset
growth is expected to continue and
Heartland New Zealand has advised the
market that it expects its NPAT to be in the
range of $51m - $55m.
A star in the making
Heartland Bank offers “outstanding value”
and “rising star” products, says consumer watchdog
T
he great rate of return, no fees and ‘no
strings’ approach of Heartland’s Direct
Call Account hasn’t just been a hit
with customers – it’s hit the radar of consumer research company CANSTAR.
In their annual summary of the best savings
products on the market, CANSTAR earmarked
the great new account as the ‘rising star’ in the
‘Regular Saver’ category.
The independent research company rates
banking products by the value they represent
to the customer. In the flexible-saver category,
the Heartland Direct Call Account, which was
only launched six months ago and therefore not
eligible for a full award, was the only product to
be singled out as “one to watch”.
“We knew this product would resonate well with
customers because we asked them exactly what
they wanted and we delivered it,” says Heartland’s
National Retail Manager Andrew Ford. “It allows
customers to save without having to lock their
money away, which helps them take advantage of
great opportunities when they arise – whether it’s
a new home, car or overseas trip.”
Sustaining star status
‘Rookie’ product Direct Call wasn’t the only
Heartland product to catch the judges’ eye. For
the third year in a row, the Heartland Business
Call Account and the Heartland Saver were also
recognised, receiving five stars for representing
“outstanding value” in the business savings
account category and five stars in the regular
saver, access saver and flexible saver category,
respectively.
“CANSTAR’s continued commendation is
great independent recognition and
underlines the continued value that
Heartland offers,” says Andrew Ford.
“Ultimately it’s our customers who decide when
we get it right, but it’s great to see a couple of
new awards go up on the wall. We’re saving an
extra space for next year…just in case..!”
Lending criteria, fees and charges apply for Heartland Home Equity Loans
2
SPRING INTO ACTION
Seniors are making the most of their newfound time
As the buds of spring gradually come into blossom, we look
forward to longer days, time in the garden and, for those
non-skiers amongst us, more time enjoying the outdoors.
U
nfortunately, unlike the blossoming
trees our homes and gardens don’t
sleep over winter or suddenly bloom
as the sun starts to shine. In fact, it’s quite
the opposite – it’s often at this time of year
many of us start to notice the chipped paint,
damaged guttering or think that maybe the
garden could do with a spruce up? With
Christmas just around the corner, how great
would it be to have it all done by then? Feel
familiar?
For many of the 7,500+ New Zealand
households we have helped through a
Home Equity Loan, this is exactly where they
started. They wanted to maintain or improve
their biggest asset – their home – but didn’t
think they could afford to do it, or even realise
that there was a tailor-made solution for their
situation.
What is a home equity loan?
A home equity loan is similar to a regular
mortgage but designed specifically for
seniors (aged 65 and over), with no regular
re-payments. You still own your home, can
live there as long as you wish and Heartland
guarantees that the loan will never exceed
the value of your house – even if house
prices drop.
The great thing about using a home equity loan
for repairs and renovations is that it can also
improve the value of your home. And, if
you’re installing insulation, a home ventilation
system or something similar, you’re creating
a healthier living environment too.
Is a home equity loan just for house
repairs?
No! It’s yours to do with as you wish.
In addition to renovations, common uses
include travel, vehicle upgrades, medical
expenses assistance, support for the next
generation or just taking the stress out of
day-to-day expenses like council rates and
insurance.
Lower interest rates can make for
lower incomes
Recent figures released from Statistics New
Zealand showed that over 227,000 Kiwis aged
65 and over rely on interest from their savings
and investments as their source of income.
The economic outlook on page 4 suggests
that the current low interest rates may remain
for some time. While this means the cost of
borrowing money may drop, it means return
on investments will drop too.
Reduced investment income leads to retirees
dipping into their savings and investments
to maintain their lifestyle. This is known as
‘decumulation’ and, unbeknown to some,
My husband and I have
done nothing dramatic
with the money… The one
luxury we have indulged in
is installing central heating
throughout the house and
never was a dollar better
spent!”
getting a home equity loan is the same
concept – only instead of dipping into income
generating investments, retirees are extracting
capital from what is, for most, their biggest
non-income generating investment - their
home.
Decumulating a portion of the equity you have
in your home, to assist with an enjoyable and
independent retirement is a great option for
many. Relatively small amounts (compared
to the overall equity held in the home) can
make a huge difference. Typically, an average
Heartland Home Equity Loan is in the region
of $50,000 with a median loan term of eight
to nine years.
We are very proud of the Heartland Home
Equity Loan and the processes we have
developed to protect our customers. For
example, as part of the application process
we stipulate that independent legal advice
is sought.
We are proud to enable retired New Zealanders
to unlock wealth tied up in their homes to fund
the lifestyle they really want.
If you would like to find out more about a Heartland Home Equity Loan, call us on 0800 488 740.
Lending criteria, fees and charges apply for Heartland Home Equity Loans.
3
4
KEEPING THINGS
in perspective
Commentary and sentiment toward the New Zealand economy has been a little negative
of late – you just need to turn to the business section of most major newspapers to be
confronted with the latest challenge facing the New Zealand or global economy, or
which business sector is finding things difficult.
T
here is no denying that New Zealand
momentum has slowed – business
confidence is at a four-year low, hiring
and investment are being wound back and
the downturn in the dairy industry is being
widely felt, particularly in the regions. China’s
economic concerns, the European refugee
crisis and the prospect of raising interest rates
in the USA for the first time since 2006 are all
adding to global uncertainty and volatility in
financial markets.
While not downplaying the challenges, we
shouldn’t ignore the positives. Although they
sometimes appear to be moving at a snail’s
pace, when bundled together they add real
substance to New Zealand’s economic story.
Building activity is still in growth mode,
recent dairy prices have effectively reversed
June’s losses, migration inflows remain
strong and inflation remains low. Our sound
microeconomic backdrop – the welfare and
education reform, the investment-based
approach to government spending
(measuring outcomes in relation to inputs
and assessing the socio-economic outcome
of that spend), and recent moves to address
Auckland’s housing supply and transport
measures – is not sufficiently appreciated.
When we look across the vast array of
New Zealand economic indicators, it is
evident that, while there has been moderation
in some areas, most are still in the vicinity
of longer-term norms.
Take the unemployment rate for example.
While there has been a small increase, this is
partly because more people are now actively
looking for work in the belief that there are
more opportunities. Even taking the increase
into account, our unemployment rate is
well below that of the OECD average and
Government welfare reforms are looking to
reverse the increase by providing incentives
for people to move into the workforce.
should buffer the domestic economy.
Unfortunately for depositors, deposit rates
have scope to move lower for longer.
However, the flip side is that, to a certain
extent, households’ purchasing power is
holding up as we experience low inflation,
lower oil prices and a subdued retail
environment.
In conclusion, while New Zealand’s economic
performance may be moderating; overall it
remains robust and is well placed to benefit
from any subsequent upturn.
-Mark De Ree, Heartland Bank Treasurer
Last, and by no means
least, financial conditions
have eased significantly
– and more relief is
expected. With economic
conditions moderating,
we are seeing the
appropriate response
from authorities.
The lower New Zealand
dollar is providing
tangible benefits to the
wider export sector
and lower interest rates
The above opinions are of a general nature expressed by Heartland Bank’s treasury department, provided in good faith and based on information available to it. These views are not
intended as investment advice and no person should make investment decisions as a result of these opinions and, should instead, seek independent and qualified advice.
New banknotes will be progressively released by the Reserve Bank of New Zealand from late 2015.
4
The White Mouse
As promised, we’ve gone in-depth with last issues’ Home Truth,
which prompted one of our veteran readers, Jim Dove*, to
send in photos from a ceremony dedicating a plaque to Nancy
Wake at the Rydges Hotel in Port Macquarie. Jim attended the
ceremony as a representative of the New Zealand War Veteran’s
Association.
shot at, she reached England in 1943 – as the
Gestapo’s most wanted person with fivemillion Franc bounty on her head.
There, she completed training with the
Special Operations Executive (also known
as Churchill’s Secret Army) and was
commissioned into the First Aid Nursing
Yeomanry (FANY) – an organisation founded in
1907 as a first aid link between the front lines
and field hospitals in WWI.
Using FANY as cover, Nancy was one of 50
intelligence agents deployed back to France in
April 1944 near Montlucon, where she built up
a number of guerilla-style fighting forces in the
area, known as Maquis.
B
orn in Wellington on August 30, 1912,
and raised in Sydney, Australia, Nancy is
the Allies most decorated servicewoman
of WWII. Renowned for her fearlessness,
daring and charisma, she was the youngest in
a family of six.
Described in memoirs as a rebellious child,
she ran away from home at 16 to work as a
nurse, before setting off for England via North
America with £200 (~$18,850 today) she had
inherited from an aunt.
She funded her travels and cosmopolitan
lifestyle working as a freelance journalist,
and was a first-hand witness to the rise of
Nazism in the 1930s, including brutal antiSemitic scenes in Vienna. This fuelled her
determination to bring down the Nazis, and
influenced her role in the French Resistance.
Living in France in 1936, she met wealthy
industrialist Henri Fiocca and they married in
1939. Less than a year later, Germany invaded
France and the newly-weds began helping to
escort officers and airmen from Vichy, France
into Spain.
The Gestapo became aware of Nancy in 1942,
and she tried to flee to England. After several
failed attempts to cross the Spanish border,
including escaping from a train while being
5
Having proven her mettle in battle, she
became responsible for controlling their
London communications, allocating the arms
and equipment delivered by airdrop and
managing the group’s finances. At its peak,
her Maquis numbered 7,500 warriors.
While she performed countless courageous
acts and is credited with saving the lives of
hundreds, arguably her most well-known
wartime exploit is a 250-mile, 72-hour bicycle
ride she made through German held territory
to re-establish communications with London,
following an attack on her Maquis by 10,000
German soliders.
She later said, “when I got off that damned
bike, I felt I had a fire between my legs.
I couldn’t stand up, I couldn’t sit down, I
couldn’t walk. When I’m asked what I’m most
proud of during the war, I say ‘the bike ride’.”
At the end of the war, she discovered that
her husband had been tortured and killed by
German forces, leaving her a widow without
means. She worked in intelligence for five
more years, before returning to Sydney in
1949. She twice stood for Federal parliament
as a Liberal, coming within a few hundred
votes of ousting Labour’s then deputy leader,
Dr HV Evatt, in 1951.
Nancy returned to England following that
defeat and remarried in 1957 to RAF officer
John Forward, with whom she returned to
Australia and settled in Port Macquarie with
three years later.
Following John’s death in 1997, Nancy retired
to England in 2001 becoming a fixture at
the Stafford Hotel bar in St James Place,
Piccadilly. The hotel absorbed most of the
cost of her stay, aided by anonymous donors
rumoured to include royalty.
Nancy Wake died aged 98 on August 7, 2011
and her ashes are scattered close to the
village of Verneix, France. Her medals are on
display in the Second World War gallery at the
Australian War Memorial Museum in Canberra,
and a “heritage pylon” paying tribute to Wake
is on Wellington’s Oriental Parade, near her
place of birth.
*Jim served with the British and New Zealand
armies and attained the rank of Sergeant
Major in a career spanning more than 15
years. We would like to thank him for his
contribution to this article.
Nancy Wake’s honours list
Ribbon
Issuing authority
Description
Ribbon of the AC
Commonwealth
of Australia
Companion of the
Order of Australia
Ribbon of the GM
United Kingdom
George Medal
Ribbon of the
1939–1945 Star
Commonwealth
of Nations
1939–1945 Star
Ribbon of the
France & Germany
Star
Commonwealth
of Nations
France and
Germany Star
Ribbon of the
Defence Medal
United Kingdom
Defence Medal
Ribbon of the War
Medal
United Kingdom
War Medal
1939–1945
Ribbon of the
Legion of Honor –
Chevalier
French Republic
Chevalier de
laLégion d'Honneur
Ribbon of the
Legion of Honor –
Officier
French Republic
Officier de la Légion d'Honneur
Ribbon de la croix
de guerre
French Republic
Croix de Guerre
(with two palms
and a star)
Ribbon of the
PMOF
United States of
America
Medal of Freedom
(one of only 987
issued during
WWII with a
bronze palm)
Ribbon de la
Médaille de la
Résistance
French Republic
Médaille de la
Résistance
New Zealand
Badge In Gold
(the RNZRSA's
highest honour)
Life after work
– ready or not
When it comes to retirement, most discussions focus on being financially prepared. But planning
for retirement is about more than just money – it’s also about mentally preparing yourself
for a world that doesn’t revolve around work. David Boyle from the Commission for Financial
Capability shares his views.
T
he word retirement can mean so many
things to so many different people and
that meaning has probably shifted from
how it was for our parents and grandparents.
To get people thinking about the different
stages of retirement from the active early
years, through the middle to the late stages,
we ran a competition asking people how they
would identify and describe retirement.
The question “What do you do?” is what
prompted our winner, former businesswoman
Erica Whyte, to come up with the winning
phrases. Faced with the question, she said
one of the most difficult challenges was
deciding what to call herself when she met
new people. ‘Retiree’ just didn’t do the job,
or define how she felt about herself – thus
prompting her period of discovery.
Her suggestion of ‘Discovery, Endeavour
and Reflection’ has been adopted by the
Commission, but it was Erica’s thoughts about
adjusting to stopping work that really hit
home.
Re-defining your identity
At first she struggled with how to fill her day:
after decades of full-time work she needed to
find ways to stay mentally active.
Being depended on by colleagues and clients all
her working life, Erica said it was also a time to
reflect on who was important to her, and who
she was important to. Having connections and
maintaining relationships has been linked to
better health in older age, and Erica believes
creating a network early is key to feeling fulfilled.
Once she worked out how she wanted to spend
her time, she then had to factor in her finances,
to ensure they’d stretch for the next 20 to 30
years.
Fortunately, she had saved and invested over
the years, so she had options available to her. As
she said: “No money, no choices – that has been
part of the mantra of my family life.”
The cost of retirement
Many of us have no problem whittling away
hours planning our next holiday, savouring the
days when we can enjoy a break from the daily
grind. However, we’re often not so great when
it comes to preparing for the years we will
spend in retirement.
A joint survey by the Commission for Financial
Capability and the Financial Markets Authority,
which looked at how well older New
Zealanders are preparing and investing for
when they stop working, found a gap between
many people’s expectations about life in
retirement and the reality. This was largely due
to not giving enough thought to planning for
the future and leaving it until the last minute.
The results showed only one in ten over 50s
felt confident they will have saved or invested
enough to fund the lifestyle they want when
they stop working. Nearly half of them have
not yet worked out how they will reach their
retirement goals and four out of ten people
who have already retired, did so without a
financial plan.
Start early
The Commission is trying to encourage New
Zealanders to start planning earlier. We want
people in their 20s, 30s and 40s to be saving
and investing now. Our view is that saving a
little over a long period is the easiest and most
painless way of reaching your objectives, thanks
to the work of compound interest.
website, which makes it easier for people
to get the information they need to plan
their futures, with a range of free tools and
resources, including our retirement and
investment planner.
We have also worked with the NZX to launch
Invested.co.nz, a website with a series of
short videos providing a starting point for
people who are interested in investing, but
unsure where to begin.
But planning is, of course, about more than
just money, which is why the Commission
recently ran its competition around those
different stages of retirement, from the
active early years, through the middle to
the late stages.
Three stages of retirement
In the early stage lifestyle drives spending,
then in the middle stage spending slows
as you slow down a wee bit. In the late
stage spending may go up due to increased
costs relating to health and well-being. The
challenge is to preserve enough of your
resources to have an income to support you
in the late stage of retirement.
As our population ages it is important, for
the wealth of the nation as well as for us as
individuals, to make sure people are reaching
retirement in the best financial position
possible.
David Boyle, GM Investor Education,
Commission for Financial Capability
However, even at 50-years-old, there is still
time to make a significant difference to your
retirement, with potentially 15 years to go until
you stop working. It’s also worth noting that 22%
of people over 65 are still working and we expect
that to increase. So, all of us need to think about
how long we expect to be living in retirement and
how we would like to spend those years.
The Commission runs the sorted.org.nz
6
Fudgey Christmas chocolate truffles
(gluten/dairy-free)
R
© Chelsea Winter
ich, fudgey and not too sweet, these are the perfect little treat to
bring out with a tea or coffee – not just at Christmas, but any time!
There are two recipes below; one gluten-free and one gluten/dairy-free, which uses
coconut cream and no butter. These keep for about a month if kept in an airtight
container/bag in the freezer, or a few days when kept in the fridge. If making in
advance, put the fruit powder on just before serving.
Makes: 45 balls
Prep time: 1 hour + a few
hours for chilling
Ingredients
Gluten-free
Gluten &
dairy-free
250g Whittaker’s
50% Cocoa Block
250g Whittaker’s
50% Cocoa Block
250ml cream
(not light cream)
250ml coconut cream
50g butter
1 cup shredded/
desiccated coconut
1 cup shredded/
desiccated coconut
3/4 cup ground
almonds (optional)
3/4 cup ground
almonds
Coatings
Cooking time: 20 mins
whisk until all the chocolate is melted
and well combined, scraping the sides
clean with a spatula.
3. Stir through the almond and coconut,
and leave in the fridge for a few hours
until it’s firmed up enough to roll.
4. Use a spoon to dig out little bits of
mixture and roll into smooth balls. This
works best with dry hands (you might
need to wash and dry them a few times,
just don’t use your best tea towel!) Place
the balls on a tray lined with baking paper and pop in the fridge for ten minutes
to firm up again.
3/4 cup pistachio nuts, processed or finely chopped
5. Tip the the coatings in smallish bowls.
1 cup coconut blitzed with 1/4 cup icing sugar
Before coating each truffle, roll it again
1/4 cup cocoa
in your hand so the outside goes nice
and sticky. Swirl it around in a bowl of
1 packet freeze-dried raspberry or plum powder
coating and replace gently on the tray
1. Chop the chocolate up into very small pieces with a (use your hands for the pistachios or
sharp knife (big lumps won’t melt properly). Place in a coconut if you need to). Repeat until all
the mixture is gone.
heatproof bowl and, if using, add the butter.
2. Heat the cream (or coconut cream) in a saucepan
over medium heat. Keep an eye on it and once it has
started simmering, pour it over the chocolate pieces.
Leave the mix to sit for a few minutes, then lightly
6. Keep them in the fridge and plate
them when you’re ready to serve. (You
might want to re-swirl the raspberry &
cocoa ones if they go patchy.)
Find out more about Chelsea’s
new book, Homemade
Happiness, in the next issue of
The Heartlander or visit
chelseawinter.co.nz
Heartland
2016 diary
No matter how many new apps there
are to tell you when to come, when to
go and how many minutes you spend
somewhere, there will always be seven
days in a week and 52 weeks in the
year. So what better way to keep track
than the 2016 Heartland diary?
Traditional, old-fashioned, or ‘retro’,
this neat little diary is as popular as
ever and its pocket size (smaller than
your average smart phone) makes it
nice and handy to fit in a handbag or
pocket.
To order your copy, please email
[email protected]. Please title
your email ‘Diary request’ and give us
the name and address of the person
who would like to receive a diary.
Alternatively,
please call
Invest Direct
on
0800 85 20 20.
Contact us
Visit your local Heartland Bank branch or call us today to chat about which account or deposit is right for you, and for
a copy of our Disclosure Statement, Product Fact Sheets and Account and Service General Terms and Conditions.
Freephone 0800 85 20 20
Website www.heartland.co.nz
Email [email protected]
Your Heartland Bank office network
Newmarket 35 Teed Street | 0800 85 20 20 Takapuna 456 Lake Road | (09) 489 5264 Hamilton 411 Victoria Street | (07) 838 0136 Tauranga 24 Devonport Road | (07) 578 3212
Wellington 93 Customhouse Quay | (04) 472 1313
Rangiora 73 High Street | (03) 311 8260
Christchurch 75 Riccarton Road | (03) 341 1400
Ashburton 224 East Street | (03) 308 2050
Napier | (06) 974 6227
Dunedin | (03) 955 3317
Nelson | (03) 5468157