Dear:

KARM RATHOD

Thank you for choosing Scotiabank. We are pleased to confirm that we have
received and processed your Scotiabank Student GIC Program Application.

Your new Scotiabank Investment Account number is 56511594. You must

provide this number when you send your wire payment.

You can now submit one wire payment for $10,200.00 CAD.

Heres what you can expect:

Once we receive and process your wire payment, we will issue the
Investment Directions confirmation, which you will use to obtain your Study
Permit. We require a maximum of 5 business days to issue your Investment
Directions confirmation from the time we receive your wire transfer. Please
be aware that international wire transfers may take 5 business days or more
to reach us.

Instructions for sending a wire transfer for the Scotiabank Student GIC
Program:

Before you begin, please review the following notes:

-Any fees associated with sending the wire transfer must be paid by you, and
Scotiabank must receive a minimum of $10,200 CAD.
-The wire transfer must originate from your bank account in your name.
-Incoming wire transfers will be rejected with funds being returned (less our
charges) in the following scenarios:

i.

Scotiabank receives less than $10,200 CAD;

ii.
A wire transfer is sent from a source that is not a bank where you hold
an account (e.g. money transfer services, forex services, etc.);
iii.
etc.);

Payment is received from a third party (e.g. parents, relatives, friend,

iv.

Wire transfer is sent from a bank outside India.

Please use the following information when sending a wire transfer:

Send Instruction to:

The Bank of Nova Scotia
44 King Street West Toronto, Ontario, Canada M5H 1H1
SWIFT Code: NOSCCATT

Beneficiary Bank Information (Field 57)

THE BANK OF NOVA SCOTIA
BNS 03996- Front Street CAU, Toronto
61 Front Street West, 2nd Floor
Toronto, Ontario, Canada
SWIFT Code: NOSCCATTCOL

Beneficiary Information (Field 59)

Name:

KARM RATHOD

Address: Enter the home address of the student in India.

Account Number:

56511594

Remittance Information (Field 70)

Enter the value SSGP.

For general information, please refer to the Scotiabank Student GIC Program
Guide available at http://www.scotiabank.com/ca/en/0,,5698,00.html

The current rate for the Scotia Investment Account can be found at
http://www.scotiabank.com/ca/en/0,,1071,00.html. The Interest Rate is
Scotiabanks posted rate under Investment Cash. Rates are provided for
information purposes only and are subject to change at any time.

For questions regarding the study permit application process, please refer to
the Student Partners Program (SPP) Checklist in the link provided here:
http://www.canadainternational.gc.ca/india-inde/visas/checklist-student-SPPliste-etudes-PPE.aspx

Thank you again for your interest in the Scotiabank Student GIC Program.