Scotiabank Student GIC Program Application

In this application form Application, customer, you and your mean the Study Permit/Visa applicant; we,
our, us and Scotiabank mean The Bank of Nova Scotia; and GIC means the Scotia Guaranteed Income
Certificate described under Information About your GIC below.

Instructions for Completing this Application Form:

1. Complete Sections A and B of this Application and
sign page 4.

6. Scan this Application in a single PDF file. Ensure that

the file is readable.

2. Please use exact spelling and name order (Given

Name[s] and Surname) as indicated in your passport.

7. Send this Application to Scotiabank by using

Scotiabank Secure Email Service. Log into your
Scotiabank Secure Email Service mailbox to retrieve
and REPLY to our email. The subject line of your email
should state: Scotiabank Student GIC Program Your
Full Name and Passport Number New Application.

3. Check that all the information input by you is

complete and correct.
4. Print this Application.
5. Sign and date this Application.

For more information please read the Program Guide available on our website.

A. Information About You

Title
Surname
stated
your
passport)
(as (as
stated
in in
your
passport)

Birth Date
Current Address

Miss

Given Name(s)
(as stated
stated in
(as
inyour
yourpassport)
passport)

AISHWARYA VILAS

DESAI

1994/06/28
House/Flat
Number

YYYY/MM/DD

52,SURABHI LAYOUTBuilding
JAKKUR RD, SANTE RD
Number/Name

OPP GOOD SHEPHERD CHURCH

Street Number and Name

Locality or
Neighbourhood

YELAHANKA

City/Town

BANGALORE

Postal
Code (PIN)

560064

State

KARNATAKA

Country

India

Include country code (91) plus your telephone number

Phone Number

+919632432382 (GUARDIAN - VINOD DESAI - +91 9980197780)

This address must be the same one that is registered with Scotiabank Secure Email Service. All our communication to you will be sent
only to this email address.

Personal Email Address

Expected Date
of Arrival inCanada

May 2015

desaivilas60@gmail.com
YYYY/MM/DD

2016/01/01

Page 1 of 4

Community
College Name

Enrolled in:

ALGONQUIN COLLEGE,OTTAWA,ONTARIO,CANADA

University
Name

Passport Information
Passport Number
Country of Issue
Expiry Date

Z 1993776

INDIA
YYYY/MM/DD

2023/07/24

B. Indian Bank Information for Wire Payments

Please provide the details about the Indian bank from which you will be wiring money to open your Scotia
Investment Account and purchase your GIC. You may transfer funds from any bank in India where you hold an
account in your name. The bank account must be held in your name only (or a joint bank account with parent(s)). If
you request, and qualify for, a refund (see Section F) at a later date we will transfer the appropriate funds only to
the bank detailed below.
Your Name

Name of Bank in India

Address

SWIFT Code
Indian Financial System/
IFS Code (if applicable)

Must be the name of the account holder

AISHWARYA VILAS DESAI

Your (Student)
Bank Account
Number

HDFC BANK

50100093283885

Building Name

MVM COMPLEX, GROUND FLOOR, NH7 BB ROAD,

Street Number
and Name

SANTE CIRCLE,

Locality or
Neighbourhood

YELAHANKA

City/Town

BANGALORE

Postal
Code (PIN)

560064

State

KARNATAKA

Country

India

HDFCINBBBNG
HDFC0000371

C. Setting Up and Funding Your Scotia Investment Account

Following receipt and processing of this Application, Scotiabank will send you a secure email with wire transfer
instructions to enable you to fund the Scotia Investment Account that will facilitate the purchase of your GIC.
You will be required to wire $10,200 CAD (this includes the $200 administration fees) to Scotiabank from the bank
you designated in Section B. Please advise your bank in India that charges if any, will be paid by you and that
Scotiabank must receive $10,200 CAD net of any deductions or the wire will be rejected. No interest is earned on the
administrative fees.
We will send you an Investment Directions confirmation (Investment Directions), setting out the details of your
Scotia Investment Account, by secure e-mail after processing your wire payment. You are required to submit a copy
of the Investment Directions to the Canadian Visa Authorities in India along with your Study Permit Application. You
are also responsible for printing or downloading a copy of the Investment Directions delivered to you electronically,
for your records. Emails will be available for viewing for 180 calendar days before automatic deletion.

May 2015

Page 2 of 4

The interest rate payable on the cash portion of this account is Scotiabank's posted rate. The current posted rate
on any day can be found at http://www.scotiabank.com/calen/0..1071.00.htm1 under "lnvestment Cash". Other
information about your Scotia lnvestment Account is available in the lnvestment Companion Booklet, accessible via
link near the end of this application.

D. Purchasing Your

GIC

Upon your arrival in Canada, you will need to visit a Scotiabank branch of your choice to open a personal deposit
account and to purchase the GlC. You must present identification acceptable to us in order to open the personal
deposit account. The branch will then transfer amounts from the cash portion of your Scotia lnvestment Account
as

follows:

a)
b)

$8,000 CAD to the GIC

$2,000 CAD plus any accrued interest to your personal deposit account

E. lnformation About Your GIC

When you arrive at the Scotiabank branch in Canada, we will provide you with lnvestment Directions setting out
details of the GlC, including the interest rate and payment schedule. General information about this GIC is provided
below and in the lnvestment Companion Booklet:

Type Guaranteed lncome Certificate

Name of product Guaranteed lncome optimizer
lssuer The Bank of Nova Scotia
Principal Amount $8,000 CAD
Term 1 year
Product

Redeemable
lssue

Date

No
Date of your branch visit

pavment ilH:':::iJ'11
filly;lxT?#'J,T#ill,,:;
lnterest Rate Will be provided at time of Issue

,nterest

scheduled

F.

Payments

3?,ffiT

l'#i::? lL':Hi[::hl;':l fl'Jt:lTfn

the amount of cash

Monthly Payment Schedule will be provided attime of lssue. Monthly Scheduled PaymenE will be deposited to your

:.T:fl,,"l-ffi:l?jfiT; L*T:l l;l".XJi,fflT".*.

rf a Schedured Payment date farrs on a horiday or sunday, the

Early Redemption of Your Scotia lnvestment Account or GIC

You can only redeem your Scotia lnvestment Account or GIC if you provide us with proof that (i) your Study
Permit has been declined (i.e. by providing us with a copy of the "Refusal Letter" issued by the Canadian High
Commission, lndia); (ii) your application for admission to a Canadian Educational lnstitution has been declined; or
(iii) you have withdrawn enrolment from the Canadian Educational lnstitution. Please provide us with a copy of
the cancelled Visa/Study Permit from the Canadian High Commission, lndia. Upon receipt of proof of any of these

events and confirmation of that event from the Canadian High Commission, lndia, we will redeem the outstanding
principal plus, for Scotia lnvestment Account or GlCs outstanding for more than thirfy days, any accumulated
interest. The amount to be refunded in each case will be transferred to the bank in your country from which your
original payment was remitted (identified under Section B). Any redemption of your Scotia lnvestment Account or
GIC prior to the Maturity Date (for the initial term or the renewal term). other than as a result of your Scheduled
Payments, will disqualify you from participation in the Scotiabank Student GIC Program.

By

signing below:
You are applying to open a Scotia lnvestment Account upon the terms set out in this Application.
You are applying

to purchase the

GIC upon your arrival in Canada.

You agree that the Scheduled Payments you receive from the GIC will be used to cover living expenses for
your first year in Canada.
You confirm that the information you have provided is true and complete.

May 201 5

Page 3 of 4

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You acknowledge that we cannot guarantee the security of regular (unsecure) emails you send to us even if
you do register for Scotiabank Secure Email Service. You acknowledge that regular (unsecure) email (i) may
not be secure, private and confidential, (ii) may not be reliable and may not be received by the intended
recipient promptly or at all, and (iii) may be subject to interception, loss and alteration. You assume full
responsibility for risks associated with regular (unsecure) email communication and agree that we will not
be responsible or liable for any loss or damage arising from any use of such email, including but not limited
to any loss or damage arising from the risks referred to in the preceding sentence.
You acknowledge that it is your responsibility to register with us for free Scotiabank Secure Email Service.
This will ensure that you will be able to submit applications or other email instructions ("lnstructions") to us
via secure email.
You authorize us to receive and act upon secure and unsecure email instructions from you concerning
Scotiabank Student GIC Program. We agree to carry out email instructions in accordance with our normal
procedures although we can refuse to undertake any lnstructions if we deem it appropriate for any reason
to do so and we will have no liability to you on account of such refusal. We will take reasonable steps to
inform you when we have determined that we will not be following your lnstructions. We may ask you to
give us certain information which will assist us in determining that you are the party giving the lnstructions.
We will not be liable to you if we are unable to complete your lnstructions for reasons beyond our control.
You agree to check the interest rate of the lnvestment Account at htto://wr,rvw.scotiabank.com/ca/
en/O..107'l .O0.html on the day that you send your wire payment. The lnterest Rate is Scotiabankt posted
rate under "lnvestment Cash". Rates are provided for information purposes only and are subject to change
at any time.
You authorize Scotiabank to send you lnvestment Directions for the Scotia lnvestment Account to the
personal email address you have provided in this application form following the processing of your
Wire Payment.
You acknowledge that purchasing the GIC upon your arrival in Canada is necessary for your continued

eligibility to participate in the Scotiabank Student GIC Program.

You authorize Scotiabank to send your name, date of birth, and passport number to the Canadian High
Commission, lndia, following the successful cash deposit into your Scotia lnvestment Account. ln the
event a Refund is requested the Canadian High Commission, lndia, will use this information as part of the
Scotiabank Student GIC Program administratioh process.
You confirm that you have reviewed the following documents online through www.scotiabank.com:
' Privacy Agreement and Brochure - http://wrarw.scotiabank.com/ca/en/0..351.00.htm1
, lnvestment Companion Booklet - http://www.scotiabank.com/calcommon/pdf/investments/icb.pdf
You consent to receiving the above documents in an electronic format at the links provided above and
through this Application only, and acknowledge that you have read and agree to the terms and conditions
set out in those documents as they apply to you. You are responsible for printing or downloading a copy
of these documents for your records. You acknowledge and agree that all documents relating to the
application will be drawn up in English.
You acknowledge that the GIC is not transferrable.
You confirm that the Scotia lnvestment Account is being opened for your benefit and will not be used to
conduct business on behalf of another party.
Title

Given Name(s)

Ms

DESAI

5urname
(as stated in

AISHWARYA VILAS

your passport)

REsEr

d:

pntw i

@ Registered trademark

Printed on: 2015-10-13

of the Bank of Nova Scotia

May 20'15

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ALGCNQU!].I

COLLEGE

September 22,2015

Letter o

f1.Ut/ULrLall lt/tv

Family name:

First name and initials:

Desai

Aishwarya Vilas

Date of Birth:

Student

28

040 846 606

hlrare 1994

ll)

number

Student's fuIl mailing address:

Dates:

108, JJ AptNo 19,3rdMain Cross Hosahalli

Bangalore
India

Startdate:

580040

Completion

Name of schooVinstitution (indicate private or public)' Designation Numbet

Level of Study:

Date:

Alsonquin Collese (Public): 01935897 1022

PrograroMaj or/Course

as clearly as possible:

We require that you deposit tuition fees for the

first semester of study in the amount of
$7,700.00 CAD (fees are subject to increase) by
October 9, 2015. If payment is not received by
this date, your seat will be cancelled.
*2nd semester tuition fees due June 15, 2016. Fees
vary every semester.

December 20,2018

Full-Time Academic

Computing

Science (3 years)
Co-op option wailable with department approval
Condition ofAcceptance specified

ll,2016

Post-Secondarv

Computer Engineering Technology

January

Hours of instnrctioryweet

23 hOUfS

Estimated Expenses for 1"' year: $25,900.00CAI)

Tuition Fees: $15,400.00CAD (2 semesters of study)
Tuition fees include the following:

.
r
.
.
o

Health insurance
Student Activity Fees

TechnologyFees
Clty Bus Pass fee
eText Fee

Books and Supplies: $500.00CAI)

Accommodations and living expenses: $10,0fi).00CAD
Students may live on-campus in residence or with a host family. Please apply early
for your choice.
Additional fees apply, please visit our website for details:

http //www3. algonquincollege. com/sat/program./computerengineering-technolo gy-computing-science/#feesexpenses

ScholarshipiTeaching assistantship:

NO;

Exctrange Student:

NOl

tntemstrip/lVork practicum,

NO

gf y"., length of intemship/work

practicum:

Other rel ev alt information:

This three-year program prepares students for an information technology (IT) career in the private or public sectors.
Students gain the knowledge and skills to use a broad range of IT-based analytical thinking and problem-solving skills
in support ofttre day-today operation of an enterprise's software systems or in the development of new systems.
Many Algonquin diplomas can be used towards the completion of a degree as specified by the university. Graduates are
subject to the admission requirements of the university ganting the degree. View all of our articulation agreements
alphabetically www.alqonquincollese.com/future-students/files/2013l04larticulation-chart.odf
lnstitution representative (e g, Registrar):

u'

fl'"]--' '

Donna Hibbard, Client Service Officer, International Admissions

TEL: (613) 727-4723 ext. 5343

E-MAIL:

1385 Woodroffe Avenue, Ottawa,

T 613.727.4723

www.al gonqu incollege-com

ON K2G 1V8, Canada