[speaker001:] Hello, Madam. What can I do for you today?
[speaker002:] Hello. Yes, I'm here to redeem a Treasury Note. It's not at the maturity date yet, but it is an emergency.
[speaker001:] OK, can I see the note and some ID, please?
[speaker002:] There you are. As you can see, the maturity isn't up yet.
[speaker001:] You do realise that you must pay a 0.2 % charge for premature cancellation, right?
[speaker002:] Oh, really? No, I wasn't aware of that.
[speaker001:] Unfortunately, yes. You see, this is a three-year note; it was issued over a year ago, but not over two years. So, you will have to pay. I'm sorry about that.