*National Day Promo*

　

First year: 1.89% fixed　

Second year: 2.18% fixed or change to prevailing interest rate then　

Year 3: 2.18% fixed or change to prevailing interest rate　

Thereafter: FHR8 + 1.23%

Fhr 8 refers to our 8 months fixed deposit rate for deposit less than $10k and is currently 0.95%　

3 years locked in　

One time free conversion during year 2 or year 3　

Waiver of cancellation fee due to sales