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We believe Kiwis deserve better from their term deposits. Better Returns. Better Protection. Better Off. Like a bank deposit, your investment is held in DCS-protected accounts*. Fixed returns with no quarterly surprises. No management fees or hidden costs. Welcome Limited, the issuer, is a licensed deposit taker but is not a registered bank. Minimum deposit and eligibility criteria apply. The Wholesale Term PIE Fund is only available to wholesale investors. Our product disclosure statement is available from our website.