Enjoy the certainty of a fixed return at a competitive interest rate.

• Your interest rate is locked-in for a specified term, regardless of movements in the market - so you know exactly what your return will be.
• You earn a higher interest rate than you'd normally receive from a regular savings account.
• It's a straightforward, easy to understand investment, ideal for temporary cash surpluses or money earmarked for a specific purpose.

Terms range from 30 days to five years (for deposits under $5,000 the minimum term is 90 days). Competitive interest rates are based on the amount and term of your investment.

Interest is calculated daily and added to your investment when it matures (or six-monthly for terms of 12 months or more, unless special terms and conditions apply). Other frequencies are available on request.

We will advise you when your Term Deposit is due to mature. On maturity you can:

• Have the principal plus interest paid to any nominated New Zealand bank account, or
• Re-invest the whole amount for another term.

Rates and fees - see our current rates and fees.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of The National Bank's financial advisers, please contact us on 0800 18 18 18.

To take out a Term Deposit:

• Online - if you have Online Banking simply log on, select 'Other Services' from the drop down menu then 'Term Deposit Request'.
• Contact us - contact your Rural Manager or call us on 0800 80 77 11 you may be able to open your account without leaving your farm.

A copy of our Investment Statement is available as a PDF, or you can request one to be sent to you by calling us on 0800 80 77 11.

You'll need Adobe Acrobat Reader to read the PDF version. If you don't have it, don't worry - it's free. Just follow this link to the Adobe site to download a copy.

For more information please call us on 0800 80 77 11 or visit any branch of The National Bank.