Grow yourwealth withour term Depositaccount!

FEES & CHARGESFEE DESCRIPTION AmOuNT

Term Deposit (Applies to all Retail & Wholesale deposits including Investor Return, Insurer Term Deposits and Non-Resident Customers)

Minimum Opening Balance $500

Break Fee (Premature Withdrawal) $50 each request

Maturity Withdrawal

By transfer to HFC Bank Account - Free

Through Bank Cheque - $10.00 plus stamp duty on bank cheque

Early Termination Rate (Upon Premature Withdrawal)

Based on actual term invested at the prevailing interest rate at the time of investment. This will be a reduced rate applicable to the actual term of your investment.

your completeBanKinG solution!

EVERYDAY RETAIL BANKING

BUSINESS / COMMERCIAL LENDING

PERSONAL LENDING

FOREIGN CURRENCY EXCHANGE

INTERNATIONAL TTS & DRAFTS

DEPOSIT PRODUCTS

INSURANCE PRODUCTS

100% LOCALLY OWNED

HEAD OFFICEHFC Centre

371 Victoria Parade, SuvaPO Box 161, SuvaPhone: 3316555

Fax: 3304171 Mobile short code: 5500

SuVAGround Floor, HFC Centre371 Victoria Parade, Suva

PO Box 161, SuvaPhone: 3316555

Fax: 3316377 Mobile short code: 5500

NAKASIRups Mega Complex, Nakasi

PO Box 8207, NakasiPhone: 3410055

Fax: 3410056 Mobile short code: 5504

GANILAu HOuSEGanilau Building, Scott Street, Suva

PO Box 161, SuvaPhone: 3316246

Fax: 3304612Mobile short code: 5515

LAuTOKA163 Vitogo Parade

PO Box 3984, LautokaPhone: 6663366

Fax: 6662004 Mobile short code: 5501

NADIQueens Road, Namaka

PO Box 9449, Nadi AirportPhone: 6721257

Fax: 6721258Mobile short code: 5502

LABASAMain Street

PO Box 3120, Labasa Phone: 8814188

Fax: 8814377Mobile short code: 5503

Print date: December 2018

This product brochure must be read in conjunction with HFC Bank's Disclosure of Fees and Charges Brochures for other applicable fees. The fees, charges and

interest rates are subject to change. In such cases, 30 days prior notice would be given for any changes. For general terms and conditions, please consult a

HFC Bank Business/Personal Finance Executive.

www.hfc.com.fjinfo@hfc.com.fj

Term Deposit

TERM DEPOSITWITH RETURNinvestor return Deposit (irD) is a term Deposit package for those looking at investments that gives guaranteed "returns" not "interest". this product provides returns based on an agreed profit sharing ratio as per contractual agreement.

this discipline of investing gives more comfort similar to term deposit,

looking at those savers who wish to earn more than what is kept in

savings and cheque accounts.

OPENING DEPOSITminimum deposit amount of $500 and upto a maximum of $250,000.

raTE Of rETurNcustomers receive 89% of profit and hFc Bank gets 11% of the funds

invested.

fEaTurES & bENEfITS• attractive deposit rate of return;

• Guaranteed return;

• survivor nomination provision; and

• Funds can be used to secure loans at 25% discount establishment

fee.

TERM DEPOSITWITH INSURaNcEinsure term Deposit is targeted at those who are looking for investments that offer a guaranteed return while at the same time, providing a value added insurance package to give extra comfort for immediate need in case of loss.

OPENING DEPOSITminimum deposit amount of $500 and upto a maximum of $250,000.

fEaTurES & bENEfITS• attractive deposit interest rate;

• insurance payout within 48 hours against the death notification;

• the return is guaranteed;

• complete peace of mind;

• survivor nomination provisions;

• can be pledged as collateral for borrowing at 25% discounted

establishment fee; and

• insurance cover for a sum of up to $5,000 as per premium**.

this product is designed to be offered on fixed terms of 12, 24, 36,

48 and 60 months from fixed sum insure deposit against a premium of

$50, which will cover $5,000 per person (maximum cover). if in case it

is a joint account with two customers, the options are (1) multiple cover

for both customers covered for $5,000 each at premium of $100 or (2)

proportionate cover at premium of $50 where in case of untimely demise

of either of the customer 50% i.e. $2,500 is paid to the beneficiary.

TERM DEPOSITRETaIlthis term Deposit package provides a fixed rate of return for a fixed period.

OPENING DEPOSITminimum deposit amount of $500 and upto a maximum of $250,000.

fEES & CHarGESrequests for redemption of a term Deposit will incur a non-refundable

break fee of $50.00 and interest is paid at carded rates; which could

result in loss of some or all interest earned since the lodgment of the

deposits.

fEaTurES & bENEfITS• interest can be paid on a number of frequencies like monthly;

quarterly, six-monthly, yearly and maturity;

• attractive higher interest rates;

• Guaranteed return;

• survivor nomination provision; and

• Funds can be used to secure loans at 25% discount establishment

fee.

TErm CuSTOmEr HfC baNk raTE* raTE*

12 months 89% 11% 3.13% 2.80%

Profit Sharing Ratio (PRS) subject to Review on 30th June of each year

Proposed Total Rate of Return (based margin) subject to Review on 30th June of each year

Anticipated Cost to HFC Bank same as Interest rate of Term

TErm INTErEST raTE* PrEmIum PEr PErSON PEr aNNum

12 months 2.75% p.a. $50

24 months 3.00% p.a. $50

36 months 3.20% p.a. $50

48 months 3.20% p.a. $50

60 months 3.30% p.a. $50

Retail ($500 to $250,000)

TErm INTErEST raTES*

1 month 1.00% p.a.

3 months 1.25% p.a.

6 months 1.75% p.a.

9 months 2.00% p.a.

12 months 2.75% p.a.

24 months 3.00% p.a.

36 months 3.20% p.a.

48 months 3.20% p.a.

60 months 3.30% p.a.

* Nominal & effective.** Insurance Policy provided through FijiCare Insurance Ltd.