About Termdeposit.com.au

Who are we?

TermDeposit.com.au is owned and operated by FIIG Securities Limited (ABN 68 085 661 632), which is a licensed securities dealer (AFSL No 224659) regulated by the Australian Securities and Investment Commission (ASIC). TermDeposit.com.au is not owned by, or aligned to, any financial organisation. We are guided by the needs of the client in terms of risk and return.

Why we make your job easier.

On 12 October 2008, the Federal Government announced it would guarantee all deposits with Approved Deposit Institutions (ADIs). Over 160 ADI's now have an equivalent AAA credit rating (the same as the Australian Federal Government) for the next three years. The only point of difference is the interest rate on offer.

TermDeposit.com.au is designed to help you find the best term deposit rates in Australia. Each day we update the site to give you the very latest information from up to 50 banks and financial institutions, and that list is growing.

TermDeposit.com.au does not charge you any fees. The rate you see on the site is the rate you will receive on your investment. We act as a broker and receive a small commission for the introduction of your business.

TermDeposit.com.au has over 20 staff speaking to ADIs daily, collating the information and presenting it in an easy to read format. We do the research for you. TermDeposit.com.au will also offer special rates that you won't find anywhere else.

Is TermDeposit.com.au safe and reliable?

At TermDeposit.com.au we arrange transactions for investors. We do not handle money, it is sent direct to the financial institution. TermDeposit.com.au's role is to identify the best rate over the required term, to suit the investor and liaise between them and the ADI. We provide all the applications forms and we help the investor complete them. We give instructions on how to transfer the funds and we ensure, as best possible, a seamless process. We have a trained and experienced Operations Department and an independent, specialised research team. TermDeposit.com.au will keep investors informed of news regarding ADIs and their regulatory environment.

What does it cost?

TermDeposit.com.au does not charge any fees. We act as a broker to the financial institutions and receive a small commission for the introduction of your business. The rate you see on the website is the rate you receive.

About FIIG Securities

Who is FIIG Securities Limited?

FIIG Securities Limited ("FIIG") is a public unlisted company, and licensed dealer in fixed income financial products, regulated by the Australian Securities and Investment Commission (ASIC).

FIIG was established in 1999 and has offices in Brisbane, Sydney and Melbourne. FIIG specialises solely in fixed income financial products, including at-call accounts, term deposits, bank bills, debentures, floating rate notes, corporate bonds, government bonds, hybrid securities and managed investment products.

Services offered by FIIG

FIIG is licensed by ASIC to provide dealing and execution services, and general financial product advice, for fixed income financial products. FIIG provides its clients with direct access to wholesale money markets and fixed income investments. FIIG buys and sells interest rate securities of all descriptions. Prior to dealing with FIIG you should read FIIG's Financial Services Guide.

Why invest in fixed income investments?

The majority of investors are familiar with the major asset classes, namely equities, property and fixed income. Fixed income (or interest rate investments) is commonly regarded as the most conservative of these asset classes, yet it is the asset class that investors generally know the least about. Consequently investors are unaware of the many and varied investments available to them. With interest rates at current levels it is important to obtain the best available return.

FIIG provides its clients with direct access to these interest rate markets that have traditionally been the territory of the institution or fund manager. We are committed to providing investors with the best achievable returns given their individually specified parameters.

The key benefits of working with FIIG

• No fees or brokerage paid by clients to FIIG on transactions.
• FIIG is not owned by, or aligned to, any financial organisation. We are guided by the needs of the client in terms of risk and return.
• Simplified transaction procedures. FIIG works on behalf of investors to facilitate investments with financial organisations that offer our clients the best product to suit their needs.
• A commitment to high quality service and building relationships over the long term.
• A very large and diverse product range limited only by the number of issues and financial institutions in Australia.
• Updates on markets and trends in both domestic and international markets.
• Portfolio valuations. We can provide valuations on existing fixed income investments at current market prices.
• An experienced team of diverse financial market professionals dedicated to the fixed income asset class.

Termdeposit.com.au Personnel

Jim is the Group Managing Director and the founder of FIIG Securities Limited and the co-founder of The Driven Group. Jim is responsible for the overall operations of FIIG's businesses and investments. Jim has extensive knowledge of fixed income, cash and derivative markets fostered by more than 20 years experience in financial markets, interest rate product development and international fixed income trading, including, prior to founding FIIG Securities in 1998, in senior roles at a major Australian bank in Melbourne and in the branch offices of foreign based investment banks in Singapore and Sydney. Jim founded FIIG in 1998, recognising that medium size and smaller investors could not access a proper rate of return in fixed interest markets which favoured wholesale and institutional investors. As Managing Director, Jim is responsible for all facets of the businesses including product development, business strategy and overall analysis of trade data and the marketplace. Jim has worked with some of the world's best known financial institutions including Merrill Lynch, Banco Santander (Singapore) and National Australia Bank. Jim publishes "The Wire", a weekly newsletter based on fixed income and received by over 5,000 readers. Jim is a Fellow of the Australian Institute of Company Directors and holds a Diploma of Financial Services.

Bianca began her career at FIIG Securities in 2005 in a Dealers Assistant position. Based in the Sydney office, supporting the team of dealers, Bianca gained valuable experience across the full spectrum of fixed income products and services offered by FIIG. Over the past three years Bianca has been a reliable friendly face to many of our clients as the key point of contact for term deposit investors while her network of contacts across the ADI sector continues to be a valuable tool in FIIG offering consistently competitive term deposit rates to clients. Bianca has recently been promoted to a Dealers role and is responsible for overseeing the short term deposit book of FIIG Securities including TermDeposit.com.au.

Justin joined FIIG Securities in March 2007 and is responsible for the independent research and analysis function of the business. Justin has over 15 years credit research experience working for banks, fund managers and accounting firms. Starting his career as a Chartered Accountant with Ferrier Hodgson, Justin has spent the past eleven years as a credit research specialist analysing a vast array of financial institution, corporate and structured debt issues from Australia and abroad. Past roles have included: Head of Credit, Asia at Alliance Capital Management (Melbourne); Credit Manager, Middle East at Credit Suisse First Boston (London); and Credit Manager Corporate Banking at National Australia Bank (Hong Kong). Justin has a Bachelor of Commerce from The University of Melbourne, Graduate Diploma in Business Administration from Australian Graduate School of Management and was admitted as a Chartered Accountant in 1996.

Liz has worked in a variety of roles in marketing, communication and credit. Prior to joining FIIG in August 2007, she worked as an Editor/Analyst for quantitative rating agency Rapid Ratings, writing daily press releases for Bloomberg which focused on the impact of breaking news, such as M&A activity on the company's credit rating. Liz spent five years in London, three working as a credit rating analyst for NatWest Markets, the investment-banking arm of National Westminster Bank. She was part of a team of 30 analysts responsible for rating the Bank's top 500 corporate clients. Her portfolios included general retailers and alcoholic beverages. While in London, she worked on contract with BP Oil UK Ltd and Generale Bank. After graduating from a Bachelor of Business (Marketing Major) at Adelaide University Liz joined State Bank Victoria/ Commonwealth Bank, where she held management roles in communication and trained in corporate credit analysis.

Peter has been a member of the FIIG Securities Sydney team since 2008. He is currently a trainee dealer and is responsible for liasing with clients and processing Term Deposits. Peter also offers support to FIIG’s Senior Dealers.

Customer service is a priority of Peter’s. Prior to working at FIIG, he was able to develop excellent service skills in his employment as a teller at National Australia Bank and in Sales roles at Volkswagen and Insport.

Peter is currently studying for his Bachelor of Economics and is hoping to graduate next year.