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«Investment Statement (Updated 10 December 2014) IMPORTANT INFORMATION (The information in this section is required under the Securities Act 1978) ...»

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HBS's fixed rates of interest for a particular investment amount and term are based on the expectation the funds will be invested for the full term. While it is not expected that funds will be drawn before maturity, HBS accepts that clients' circumstances change and so will consider, but is not obliged to accept, requests for early repayment of an investment.

If HBS agrees to make an early repayment of an investment, the interest rate payable in respect of the investment may at HBS’s discretion be reduced to reflect the reduced term of the investment (as further described under the heading "What are the Charges?"). Any tax that has already been paid on the interest earned cannot be refunded back and will have to be claimed from the IRD directly.

HBS reserves the right to repay (subject to 14 days' notice) all or any of the redeemable shares at any time and without any request by the holder.

You are not able to sell the investment to any other person or entity.

Who do I contact with enquiries about my investment?

Enquiries about these investments should be directed to:

 The Secretary, Heretaunga Building Society, 111 Avenue Road East, PO Box 146, Hastings.

–  –  –

 By telephoning HBS on (06) 873-8047 Is there anyone to whom I can complain if I have problems with the investment?

Complaints about the securities can be made to  HBS – by contacting the Secretary, Heretaunga Building Society, 111 Avenue Road East, PO Box 146, Hastings, Telephone (06) 873-8047  The Trustee – by contacting Trustees Executors Limited, Level 5, 10 Customhouse Quay, Wellington, Telephone (04) 495-0999  Also, HBS is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 and complaints about these investments can be made to the Insurance and Savings Ombudsman Scheme (an approved dispute resolution scheme under the Act), Level 11, 15-17 Murphy Street, Wellington

6011. Telephone 0800 888 202.

What other information can I obtain about this investment?

Other information about HBS and these securities is contained in HBS's latest registered prospectus and audited financial statements. The disclosures in HBS's prospectus are modified by the exemptions set out in the Securities Act (Building Societies) Exemption Notice 2013 (the "Exemption Notice"). The Exemption Notice expires in September 2017. The effect of the Exemption Notice is that HBS can treat the redeemable shares it issues to investors as if they were debt securities, rather than participatory securities for the purposes of the Securities Act 1978, which means that HBS is (subject to certain other conditions) not required to have a Statutory Supervisor or a Deed of Participation for the securities.

The prospectus, the latest audited financial statements, and other documents relating to HBS including HBS's Rules, are available for public inspection on the Companies Office website, www.business.govt.nz/companies or

–  –  –

 The Secretary, Heretaunga Building Society, 111 Avenue Road East, PO Box 146, Hastings.

In addition, other information about this investment is available without charge, as follows:

–  –  –

 A copy of the most recent financial statements that have been registered under the Financial Reporting Act 1993, together with all documents that are required to be registered with those statements; and

–  –  –

This information is available for inspection at the office of HBS. A copy will be sent on request. All requests should be made to the Secretary, Heretaunga Building Society, PO Box 146, Hastings. Telephone (06) 873-8047.

In each year, all investors will be sent a copy of the annual report for HBS (which includes the audited financial statements).

HBS DOES NOT PROVIDE INVESTMENT ADVICE TAILORED TO AN INVESTOR’S PERSONAL

CIRCUMSTANCES. IT IS THE INVESTOR’S RESPONSIBILITY TO UNDERSTAND THE NATURE

OF THE SECURITY SUBSCRIBED FOR AND THE RISKS ASSOCIATED WITH THAT SECURITY.

EACH SECURITY (INCLUDING THE PRINCIPAL, INTEREST OR OTHER RETURNS OF ANY

SECURITY) IS NOT GUARANTEED, SECURED OR UNDERWRITTEN IN ANY WAY BY HBS, THE

TRUSTEE OR ANY ASSOCIATED OR RELATED PARTY.

10

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