Vesicles can form naturally, for example, during the processes of secretion (exocytosis), uptake (phagocytosis and endocytosis) and transport of materials within the cytoplasm. Alternatively, they may be prepared artificially, in which case they are called liposomes.
A time deposit ( also known as a certificate of deposit in the United States , a term deposit , particularly in Canada , Australia and New Zealand ; a bond in the United Kingdom ; Fixed Deposits in India , Sri Lanka , Malaysia and in some other countries ) is a money deposit at a banking institution that cannot be withdrawn for a specific term or ...
An intermediary organization such as the government that facilitates transactions between the savers and borrowers. Time deposits are however not accepted. These intermediaries source their lending activities through the sale of securities and insurance policies to the general population.