INTEREST RATE Interest rate will be fixed at 6.50% p.a. for 60 months until maturity

PRINCIPAL PAYMENT Principal will be repaid at maturity

INTEREST PAYMENTS Interest will become payable quarterly, on the 30th of March, June, September and December.

TAXATION Taxable at source

INSTRUMENT TYPE Transferable

BUSINESS DAY In the event that a payment day occurs on a day other than a business day, such payments will be made on the business day following that date.

PURPOSE Provide investment opportunities for our Members while simultaneously boosting Net Savings Inflow to facilitate growth in existing product lines.

CLOSING DATE: October 31, 2018

New funds or foreign exchange conversions only.Cheque or RTGS receipt should be presented with application form.

ISSUER Victoria Mutual Building SocietyAUTHORITY The Building Societies Regulations 1995TENOR INVESTMENT RANGE J$150,000 and over

Sixty (60) Months

This Term Sheet is not intended to create a legally binding obligation and is for information purposes only.