The cut-off points for the maturity bands (or for periods of notice) are: for 'deposits at agreed maturity`, at one-year and two-years' maturity at issue; and for 'deposits redeemable at notice`, at three-months' notice and, within over three-months, at two-years' notice. Non-transferable sight deposits ('sight savings deposits`) are included in the 'up to three-months` band.