<?php 
	require 'init.php'; 
	bundlecss();
	require 'header.php'; 
?>

    <div class="pageContainer">

        
<div class="bodyContainer">
    <div class="container">
        <h1 style="margin-bottom: 30px;">Get more out of your money with an <?php echo $settings->get("sname"); ?> Term&nbsp;Deposit</h1>
        <p class="text-center">You can lock into a competitive interest rate that's protected for your fixed term.
            Whether you invest $5,000 or $5 million, we'll help you make your money grow!<br />
        </p>


    </div>

    <div class="ratesBlock" id="ratesBlock">
        <div class="container">

            <div class="row ratesBox">
                <div class="col-sm-6 col-md-3">
                    <div class="rateBox" id="rate1month">
                        <h3>3 months</h3>
                        <div class="rate">
                            <div class="rateAmount">0.65% <span class="ratePA">p.a.</span></div>
                            <div class="rateTerms">For deposits over $5,000 <br>
                                Interest paid on maturity</div>
                        </div>

                        <a href="javascript:;" class="btn btnHighImpact"
                            onclick="ga('send', 'event', 'Enquire Buttons', 'click', '1 month term deposit');">Enquire
                            Now</a>

                    </div>
                </div>
                <div class="col-sm-6 col-md-3">
                    <div class="rateBox" id="rate3months">
                        <h3>6 months</h3>
                        <div class="rate">
                            <div class="rateAmount">0.70% <span class="ratePA">p.a.</span></div>
                            <div class="rateTerms">For deposits over $5,000 <br>
                                Interest paid on maturity</div>
                        </div>


                        <a href="javascript:;" class="btn btnHighImpact"
                            onclick="ga('send', 'event', 'Enquire Buttons', 'click', '3 month term deposit');">Enquire
                            Now</a>

                    </div>
                </div>
                <div class="col-sm-6 col-md-3">
                    <div class="rateBox" id="rate6months">
                        <h3>7 months</h3>
                        <div class="rate">
                            <div class="rateAmount">0.70% <span class="ratePA">p.a.</span></div>
                            <div class="rateTerms">For deposits over $5,000 <br>
                                Interest paid on maturity</div>
                        </div>


                        <a href="javascript:;" class="btn btnHighImpact">Enquire Now</a>

                    </div>
                </div>
                <div class="col-sm-6 col-md-3">
                    <div class="rateBox" id="rate12months">
                        <h3>12 months</h3>
                        <div class="rate">
                            <div class="rateAmount">0.75% <span class="ratePA">p.a.</span></div>
                            <div class="rateTerms">For deposits over $5,000 <br>
                                Interest paid on maturity</div>
                        </div>


                        <a href="javascript:;" class="btn btnHighImpact">Enquire Now</a>

                    </div>
                </div>
            </div>

            <div class="rateBox" style="margin-top: 30px;">
                <a class="btn btnHighImpact" href="#" onclick="$('#ratesModal').modal('show'); return false;">View all
                    Term Deposit<br class="visible-xs" /> rates &amp; terms</a>
            </div>

            <div class="row detailsBox">
                <div class="col-lg-10 col-lg-offset-1">
                    <div class="pad">
                        <h3>Features</h3>
                        <div class="row">
                            <div class="col-md-6">
                                <ul>
                                    <li>No account or transaction fees</li>
                                    <li>Competitive interest rates for the duration of your deposit </li>
                                    <li>A range of options on maturity ^</li>

                                    <li>Minimum investment $5,000</li>
                                </ul>
                            </div>
                            <div class="col-md-6">
                                <ul>
                                    <li>Investment terms from one month up to 5 years</li>
                                    <li>This account is protected by the <a href="index.php">United State Government
                                            deposit guarantee</a>*</li>
                                </ul>
                            </div>
                        </div>

                    </div>
                </div>
            </div>
        </div>

    </div>

    <div id="quickLinksContainer" class="quickLinksContainer">
        <a class="quickLinksTab" href="#" onclick="$('#quickLinksContainer').toggleClass('open'); return false;">Quick
            Links</a>
        <div class="quickLinksBody">
            <ul>
                <li><span class="overrideChat">
                        <div id='LP_DIV_1411096047612'
                            style='padding-left: 0px; padding-right: 0px; padding-top: 0px; padding-bottom: 0px;'></div>
                    </span>
                    <span class="openingHours">(7am-7pm, Mon-Fri)</span>
                </li>
                <li><a href="index.php">Customer Help</a></li>
                <li><a href="index.php">Guide to Term Deposits</a></li>

            </ul>
            <div class="closeButton">
                <a href="#" onclick="$('#quickLinksContainer').toggleClass('open'); return false;">&times;</a>
            </div>
        </div>
    </div>

    <div class="featuredBlock">
        <div class="container text-center">
            <h3>United State Government <strong>$250,000</strong> Guaranteed&nbsp;Deposits</h3>
            <div class="row">
                <div class="col-md-2 col-md-offset-3"><img src="uploads/pages/guarantee-logo.jpg"
                        alt="United State Government $250,000 Guaranteed Deposits" class="img-responsive" /></div>
                <div class="col-md-4">
                    <p class="text-center">This account is protected by the United State Government deposit guarantee.
                        Up to $250,000 of deposits in 'protected accounts' held by an entity with <?php echo $settings->get("sname"); ?> are covered
                        under the <a href="index.php">Financial Claims Scheme</a>.</p>
                </div>
            </div>
        </div>
    </div>

    <div class="shadedBlock">
        <div class="container">
            <div class="col-md-6 col-md-offset-3 col-lg-4 col-lg-offset-4">
                <h3>How much will I earn on my term deposit?</h3>
                <a class="btn btnLowImpact" href="calculator.php">Term Deposit Calculator</a>
            </div>

        </div>
    </div>

    <div class="inversedBlock contactBlock" id="contactBlock">
        <div class="container">
            <h3>Want a different term or need some help?</h3>
            <div class="row">
                <div class="col-md-4">
                    <a href="tel:1300138831">
                        <span class="iconned phone"><strong>Call us</strong><br />
                            Our contact centre is open<br class="visible-lg" />
                            Mon&ndash;Fri, 7am&ndash;7pm
                        </span>
                        <span class="btn btnLowImpact">+1 817 662 0198</span>
                    </a>
                </div>
                <div class="col-md-4">
                    <a href="javascript:;">
                        <span class="iconned computer"><strong>Contact us online</strong><br />
                            Submit an enquiry online and we'll get in touch <span class="visible-inline-lg">with
                                you</span>
                        </span>
                        <span class="btn btnLowImpact">Enquire Now</span>
                    </a>

                </div>
                <div class="col-md-4">
                    <a href="index.php">
                        <span class="iconned people"><strong>Visit us</strong><br />
                            Use our locator to find<br class="visible-lg" />
                            your closest branch
                        </span>
                        <span class="btn btnLowImpact">Branch Locator</span>
                    </a>
                </div>
            </div>
            <div class="product-terms">
                <p>This information is a summary of features & benefits only - full details are available in the
                    relevant terms and conditions.</p>

                <p>^ Upon maturity, unless you provide us with new instructions, your Term Deposit will automatically
                    roll over for an
                    identical term at the current interest rate applicable to that term.
                    When your funds are renewed for the same fixed term as before,
                    the applicable interest rate may be higher or lower than the interest rate
                    that you received in the previous term due to the rates we offer changing
                    from time to time. Any withdrawal of part or all funds prior to maturity will
                    be subject to 31 days' notice. Alternatively at the end of your term, should you wish
                    to modify your Term Deposit, you may notify us 2 calendar days before but no later
                    than 7 calendar days after the maturity date and: </p>

                <ul>
                    <li>Transfer your investment to a different term deposit; </li>
                    <li>Deposit to or withdraw from the term deposit; </li>
                    <li>Have the full amount of your term deposit paid to any of your other accounts with Cognate finance ; </li>
                    <li>Have the full amount paid to you by cheque; </li>
                    <li>Use the funds to pay any of your bills by BPAY&reg;</li>
                </ul>

                <p>&reg; Registered to BPAY Pty Ltd (ABN 69 079 137 518)</p>


            </div>
        </div>
    </div>


</div>


<!-- RATES MODAL -->
<div class="modal fade" id="ratesModal" tabindex="-1" role="dialog">
    <div class="modal-dialog" role="document">
        <div class="modal-content">
            <div class="modal-body pageBodyContainer centred">
                <h2>TERM DEPOSIT INTEREST RATE SCHEDULE</h2>
                <p>The below rates are available as at 29/10/2020 but are subject to change at anytime without notice
                </p>
                <div class="table-responsive">
                    <table border="0" cellspacing="0" cellpadding="0" width="0"
                        class="table table-striped table-hover table-responsive table-condensed">
                        <tr>
                            <th>&nbsp;</th>
                            <th nowrap="nowrap">INTEREST PAID MONTHLY<br />
                                (on anniversary) </th>
                            <th nowrap="nowrap">INTEREST PAID 12 MONTHLY<br />
                                (on anniversary) </th>
                            <th>INTEREST PAID <br />
                                ON MATURITY</th>
                        </tr>
                        <tr>
                            <th><strong>INVESTMENT TERMS</strong></th>
                            <th nowrap="nowrap"><strong>% p.a.</strong></th>
                            <th nowrap="nowrap"><strong>% p.a.</strong></th>
                            <th nowrap="nowrap"><strong>% p.a.</strong></th>
                        </tr>
                        <tr>
                            <td nowrap>1 month</td>
                            <td>-</td>
                            <td>-</td>
                            <td>0.20</td>
                        </tr>
                        <tr>
                            <td nowrap>2 months</td>
                            <td>-</td>
                            <td>-</td>
                            <td>0.30</td>
                        </tr>
                        <tr>
                            <td nowrap>3 months</td>
                            <td>0.35</td>
                            <td>-</td>
                            <td>0.65</td>
                        </tr>
                        <tr>
                            <td nowrap>4 months</td>
                            <td>0.30</td>
                            <td>-</td>
                            <td>0.60</td>
                        </tr>
                        <tr>
                            <td nowrap>5 months</td>
                            <td>0.30</td>
                            <td>-</td>
                            <td>0.60</td>
                        </tr>
                        <tr>
                            <td nowrap>6 months</td>
                            <td>0.40</td>
                            <td>-</td>
                            <td>0.70</td>
                        </tr>
                        <tr>
                            <td nowrap>7 months</td>
                            <td>0.40</td>
                            <td>-</td>
                            <td>0.70</td>
                        </tr>
                        <tr>
                            <td nowrap>8 months</td>
                            <td>0.35</td>
                            <td>-</td>
                            <td>0.65</td>
                        </tr>
                        <tr>
                            <td nowrap>9 months</td>
                            <td>0.35</td>
                            <td>-</td>
                            <td>0.65</td>
                        </tr>
                        <tr>
                            <td nowrap>10 months</td>
                            <td>0.40</td>
                            <td>-</td>
                            <td>0.70</td>
                        </tr>
                        <tr>
                            <td nowrap>11 months</td>
                            <td>0.40</td>
                            <td>-</td>
                            <td>0.70</td>
                        </tr>
                        <tr>
                            <td nowrap>12 months</td>
                            <td>0.45</td>
                            <td>-</td>
                            <td>0.75</td>
                        </tr>
                        <tr>
                            <td nowrap>18 months</td>
                            <td>0.45</td>
                            <td>0.65</td>
                            <td>0.75</td>
                        </tr>
                        <tr>
                            <td nowrap>24 months</td>
                            <td>0.45</td>
                            <td>0.65</td>
                            <td>0.75</td>
                        </tr>
                        <tr>
                            <td nowrap>36 months</td>
                            <td>0.50</td>
                            <td>0.70</td>
                            <td>0.80</td>
                        </tr>
                        <tr>
                            <td nowrap>48 months</td>
                            <td>0.50</td>
                            <td>0.70</td>
                            <td>0.80</td>
                        </tr>
                        <tr>
                            <td nowrap>60 months</td>
                            <td>0.55</td>
                            <td>0.75</td>
                            <td>0.85</td>
                        </tr>
                    </table>
                </div>
                <p><strong>For deposits $5,000 to $500,000.</strong> For investments over $500,000 please contact us on
                    <a href="tel:1300138831"></a>.</p>

                <p>
                    <button type="button" data-dismiss="modal" aria-label="Close" class="btn btnLowImpact">OK</button>
                </p>
            </div>
        </div>
    </div>
</div>


    </div>

<?php require 'footer.php'; ?>