If you can give advance notice of a withdrawal, you will be rewarded with higher rates of interest - and normally the longer the notice period, the higher the interest you will earn. You have a choice of three notice periods, each of which has unique benefits.

Notice 30

• Minimum opening deposit £5,000

• 30 days' notice is required for withdrawals without penalty.

• If you need immediate access, a penalty of 30 days' interest is deducted.

Notice 90

• Minimum opening deposit £5,000

• 90 days' notice is required for withdrawals without penalty.

• However, in each calendar year you may withdraw, without notice or penalty, either two amounts of up to 10% - or one amount of up to 20% - of the balance in your account.

• You can make further withdrawals, but a penalty equal to 90 days' interest will be deducted if you do not give 90 days notice.

Notice 180

• Minimum opening deposit £5,000

• 180 days' notice is required for withdrawals without penalty.

• However, in each calendar year you may withdraw, without notice or penalty, either two amounts of up to 10% - or one amount of up to 20% - of the balance in your account.

• You can make further withdrawals, but a penalty equal to 180 days' interest will be deducted if you do not give 180 days notice.