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Refunds at the beginning of up to the value of the loan 10pc are welcomed each year free of charge. This rate includes a discount point percentage 0.24 to Homecover of Leeds insurance, you'll have to hold until the end of the term.

The mortgage is available only directly, either in the branches or by calling 0845 054 0994.

Verdict Small characters reveals that if at any time whatsoever, you do not have a valid Leeds home insurance policy, the discount percentage point 0.24-apply when the transaction table best-buy, leaving you with a rate of 3 69pc.

Hot in the wake of the Saffron Christmas Eve, Barnsley Building Society has launched an account help avant-planificateurs finance Christmas 2011.

The account is a cross between a fixed rate bond and a regular saver, providing a 3 5pc until the maturity of the account on December 1, 2011. No withdrawal is authorized before that date.

The minimum opening deposit is ￡ 10 and customers can deposit up to ￡ 1,200 for the whole period, equivalent to ￡ 100 per month.

If the total filed exceeds this amount, the entire balance will be transferred into an account of Falcon - currently pay 0 15pc. Be warned that the customers are informed that they have overcome the limit only after the transfer has been made.

To apply you can visit your local branch or call 0845 120 0898.

Verdict Kevin Mountford Moneysupermarket noted that HSBC customers account for income could achieve a much more competitive 8pc from their regular saver rate linked.

However, the Barnsley account does not access until maturity, thereby eliminating any temptation to draw Christmas pot.

As long as you do not exceed deposit limit, this could be a good incentive for those who seek to budget, but find Christmas comes around to all too quickly.

Not to be thrown in the upper part took Norwich & Peterborough building society savings League spot.

Following launch of the Northern Rock year savings bond pay 3 15pc, N & P increased its E-bond rates to match the it. N & P bond allows deposits of ￡ 1,000 and 1 m ￡, and the rate is fixed for a year. No withdrawal is allowed before the deadline, and the account must be closed to withdraw funds.

Investors are recommended do not forget the account, however, as after maturity it occurring at a rate of less of 0 5pc. This account does not transfer to other N & P. Postulez savings accounts online www.nandp.co.uk/savings.

Verdict There is no way to distinguish between it and the binding of Northern Rock. Both are online only, nor allows withdrawals at the beginning, both pay 3 15pc for one year. Depending on whether you choose, however, act quickly, because -as N & P website warns - are "rate very good, it will not be around for a long time."

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BANGALORE (Reuters) – Saputo Inc, Canada's biggest dairy processor, said on Friday it was expanding its voluntary recall of cheese products on concerns that they may contain listeria monocytogenes, a bacteria that could cause serious illness.

The new recall list includes products from brands such as Faith Farms, St-Albert and Sunspun, all of which were distributed in Canada.

When asked about the cost impact of the recall, Sandy Vassiadis, a spokeswoman for Saputo, said public health was the main concern for the company at this point.

She also did not disclose how much the three brands that were being recalled contributed to total revenue.

Saputo's earlier recall, announced on November 26, was limited to a single product from the Faith Farms brand.

Since then, the maker of Stella cheese and owner of Neilson Dairy has closed the production line on which the recalled process cheese products were made and opened an investigation with the Canadian Food Inspection Agency (CFIA).

"We do not know the root cause of the problem and that is why we are recalling all the process cheese slices that were manufactured on the production line until November 26," Vassiadis said.

Saputo, which competes with the likes of Dean Foods and Kraft in North America, said there have been no reported illnesses associated with the consumption of the products that are under recall.

Consumption of food contaminated with the bacteria may cause listeriosis, which usually affects elderly persons, pregnant women, newborns and adults with weakened immune systems, according to the website for Centers for Disease Control and Prevention (CDC).

"Even with prompt treatment, some infections result in death. This is particularly likely in the elderly and in persons with other serious medical problems," the CDC website said.

Two years ago, Maple Leaf Foods was involved in one of the biggest ever food recalls in Canadian history - also tied to listeria. The deaths of at least 20 people were linked to the outbreak.

Shares of Montreal-based Saputo fell as much as 3 percent to C$36.84 in early trade. They were trading at C$37.06 on Friday afternoon on the Toronto Stock Exchange.

The S&P/TSE Canadian Consumer Staples Index was down 0.43 percent at C$191.20.

(Additional reporting by S. John Tilak; Editing by Roshni Menon)

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