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Date: Mon, 16 Mar 2026 10:00:24 +0100
From: Vikas from Fintiba <friends@fintiba.com>
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To: info@otec.edu.gh
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Subject: =?utf-8?Q?=F0=9F=94=91=F0=9F=92=B0Your_Financial_Proof_=E2=80=93_?=
 =?utf-8?Q?The_Key_to_Your_German_Visa=C2=A0?=
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 Content preview:  Understand why financial proof matters, your options, and
   why most students choose the blocked account. Your financial proof _ the
    key to your German visa __ Hi Salim, 
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------=_Part_144366_1237058071.1773651618268
Content-Type: text/plain; charset=utf-8
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Understand why financial proof matters, your options, and why most students=
 choose the blocked account.

Your financial proof =E2=80=93 the key to your German visa =F0=9F=94=91=F0=
=9F=92=B0

Hi Salim,

I=E2=80=99m Vikas, your Visa Expert, and today I=E2=80=99ll walk you throug=
h one of the core requirements for your German student visa: proving your f=
inancial means.

This step is essential, and preparing it correctly can make your visa proce=
ss smoother and faster.

=F0=9F=87=A9=F0=9F=87=AA Why you must prove your finances

Germany requires all international students to demonstrate they can cover t=
heir living expenses during their stay. This ensures you can focus on your =
studies without financial difficulties.

=F0=9F=92=B6 How much money do you need?

You must show funding for one full year of living costs, based on the amoun=
t set by the German government. For 2025/2026, students applying for a Germ=
an student visa must show financial proof of =E2=82=AC11,904 per year (i.e.=
 =E2=82=AC992 per month). Please note that this amount is reviewed regularl=
y to reflect living-cost changes.

=E2=9C=85 Accepted options to prove your finances

You can prove financial means via:

-

A Blocked Account =E2=80=94 the most common and widely accepted method.

-

A Scholarship from a recognised body that covers living expenses.

-

A Declaration of commitment / Guarantee from someone in Germany

-

Other accepted proof (family bank statements, sponsor letters), where appli=
cable =E2=80=94 depending on your embassy.

=E2=AD=90 Why the Blocked Account is the Preferred Option

-

Universally accepted by embassies for international students

-

Straightforward and simple =E2=80=94 no need for sponsors or complicated do=
cuments

-

Fastest way to meet the financial requirement before visa appointment

OPEN ACCOUNT NOW
(https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VW1Fzh5LcbPJW38YBnb7DDnYR=
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Every great journey begins with the basics =E2=80=94 and getting your finan=
ces right is the smartest first step.

Vikas

Your Companion - The Visa Expert

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  <body id=3D"hs_body" bgcolor=3D"#f4f4f4" style=3D"margin:0 !important; pa=
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4f4;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;=
" lang=3D"en">Understand why financial proof matters, your options, and why=
 most students choose the blocked account.</div>
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ss=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" styl=
e=3D"color: inherit; font-size: inherit; line-height: inherit;" data-hs-cos=
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per_module-1-0-0_" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wra=
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ht: inherit;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"rich_=
text"><h1 style=3D"margin:0; font-size:28px; color:#c962cc; line-height:125=
%"><span style=3D"color: #54575d;"><span style=3D"color: #148498;">Your fin=
ancial proof</span> =E2=80=93 the key to your German visa&nbsp;</span><span=
 style=3D"color: #54575d;">=F0=9F=94=91=F0=9F=92=B0</span></h1></div></div>=
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left:10px; padding-right:10px">
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      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#ffffff; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#ffffff">
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    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17603=
234001913" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17603234001913_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><p style=3D"line-height:175%"><span style=3D"=
font-family: Lato, Tahoma, sans-serif;">Hi Salim,</span></p>
<p data-start=3D"736" data-end=3D"897" style=3D"line-height:175%">I=E2=80=
=99m <strong data-start=3D"740" data-end=3D"767">Vikas, your Visa Expert</s=
trong>, and today I=E2=80=99ll walk you through one of the <strong data-sta=
rt=3D"812" data-end=3D"833">core requirements</strong> for your German stud=
ent visa: <strong data-start=3D"864" data-end=3D"896">proving your financia=
l means</strong>.</p>
<p data-start=3D"899" data-end=3D"997" style=3D"line-height:175%">This step=
 is essential, and preparing it correctly can make your visa process smooth=
er and faster.</p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1763089954378" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#FFFFFF; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#FFFFFF">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#FFFFFF">
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  <td valign=3D"bottom" style=3D"width:600px;padding-bottom:10px; padding-t=
op:5px;">
<![endif]-->
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  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1763089954378_0" class=3D"hse-column hse-size-12" style=
=3D"vertical-align: bottom;">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17630=
899543701" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17630899543701_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 data-start=3D"1004" data-end=3D"1046" sty=
le=3D"margin:0; line-height:175%; font-size:22px; color:#0b82a0">=F0=9F=87=
=A9=F0=9F=87=AA Why you must prove your finances</h2>
<p data-start=3D"1047" data-end=3D"1240" style=3D"line-height:175%">Germany=
 requires all international students to demonstrate they can cover their <s=
trong data-start=3D"1127" data-end=3D"1146">living expenses</strong> during=
 their stay. This ensures you can focus on your studies without financial d=
ifficulties.</p>
<p data-start=3D"637" data-end=3D"708" style=3D"line-height:175%">&nbsp;</p=
></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1763090220472" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#E6F4F7; padding-top:5px" bgcolor=
=3D"#E6F4F7">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#E6F4F7">
      <tr style=3D"background-color:#E6F4F7;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"bottom" style=3D"width:600px;padding-top:5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1763090220472_0" class=3D"hse-column hse-size-12" style=
=3D"vertical-align: bottom;">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17630=
902204631" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17630902204631_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 data-start=3D"1247" data-end=3D"1282" sty=
le=3D"margin:0; line-height:175%; font-size:22px; color:#0b82a0">=F0=9F=92=
=B6 How much money do you need?</h2>
<p data-start=3D"1041" data-end=3D"1161" style=3D"line-height:175%">You mus=
t show funding for <strong data-start=3D"1309" data-end=3D"1342">one full y=
ear of living costs</strong>, based on the amount set by the German governm=
ent. For 2025/2026, students applying for a German student visa must show f=
inancial proof of <strong data-start=3D"397" data-end=3D"417">=E2=82=AC11,9=
04 per year</strong> (i.e. <strong data-start=3D"424" data-end=3D"442">=E2=
=82=AC992 per month</strong>). Please note that this amount is reviewed reg=
ularly to reflect living-cost changes.</p>
<p data-start=3D"899" data-end=3D"1057" style=3D"line-height:175%">&nbsp;</=
p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1761809206566" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#ffffff; padding-top:5px" bgcolor=
=3D"#ffffff">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#ffffff">
      <tr style=3D"background-color:#ffffff;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;padding-top:5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1761809206566_0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17618=
092065601" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17618092065601_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 data-start=3D"1961" data-end=3D"2007" sty=
le=3D"margin:0; line-height:175%; font-size:22px; color:#0b82a0">=E2=9C=85 =
Accepted options to prove your finances</h2>
<p data-start=3D"2009" data-end=3D"2043" style=3D"line-height:175%">You can=
 prove financial means via:</p>
<ul data-start=3D"2045" data-end=3D"2445" style=3D"line-height:175%">
<li data-start=3D"2045" data-end=3D"2129">
<p data-start=3D"2047" data-end=3D"2129" style=3D"line-height:175%">A <stro=
ng data-start=3D"2049" data-end=3D"2081">Blocked Account</strong>&nbsp;=E2=
=80=94 the most common and widely accepted method.</p>
</li>
<li data-start=3D"2130" data-end=3D"2203">
<p data-start=3D"2132" data-end=3D"2203" style=3D"line-height:175%">A <stro=
ng data-start=3D"2134" data-end=3D"2149">Scholarship</strong> from a recogn=
ised body that covers living expenses.</p>
</li>
<li data-start=3D"2204" data-end=3D"2293">
<p data-start=3D"2206" data-end=3D"2293" style=3D"line-height:175%">A <span=
 style=3D"font-weight: bold;">Declaration of commitment&nbsp;</span><strong=
 data-start=3D"2208" data-end=3D"2241">/ Guarantee</strong> from someone in=
 Germany&nbsp;</p>
</li>
<li data-start=3D"2294" data-end=3D"2445">
<p data-start=3D"2296" data-end=3D"2445" style=3D"line-height:175%">Other a=
ccepted proof (family bank statements, sponsor letters), where applicable =
=E2=80=94 depending on your embassy.</p>
</li>
</ul>
<p data-start=3D"1411" data-end=3D"1543" style=3D"line-height:175%">&nbsp;<=
/p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_1764222361300" class=3D"hse-section" style=3D"padding-=
left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container" style=3D"min-width:280px; max-wid=
th:600px; margin:0 auto; background-color:#148498; padding-bottom:10px; pad=
ding-top:5px" bgcolor=3D"#148498">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" width=3D"600" bgcolor=3D"#148498">
      <tr style=3D"background-color:#148498;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:600px;padding-bottom:10px; padding-top:=
5px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"600" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:600px">
<![endif]-->
<div id=3D"column_1764222361300_0" class=3D"hse-column hse-size-12">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D=
"font-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-=
break:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17642=
223612881" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_typ=
e_module" style=3D"color: inherit; font-size: inherit; line-height: inherit=
;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div id=
=3D"hs_cos_wrapper_module_17642223612881_" class=3D"hs_cos_wrapper hs_cos_w=
rapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; font-=
size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget" d=
ata-hs-cos-type=3D"rich_text"><h2 data-start=3D"2452" data-end=3D"2506" sty=
le=3D"margin:0; line-height:175%; font-size:22px; color:#0b82a0"><span styl=
e=3D"color: #ffffff;">=E2=AD=90 Why the Blocked Account is the Preferred Op=
tion</span></h2>
<ul style=3D"line-height:175%; color:#ffffff" data-start=3D"2507" data-end=
=3D"2724">
<li data-start=3D"2507" data-end=3D"2571">
<p data-start=3D"2509" data-end=3D"2571" style=3D"line-height:175%"><span s=
tyle=3D"color: #ffffff;">Universally accepted by embassies for internationa=
l students</span></p>
</li>
<li data-start=3D"2572" data-end=3D"2650">
<p data-start=3D"2574" data-end=3D"2650" style=3D"line-height:175%"><span s=
tyle=3D"color: #ffffff;">Straightforward and simple =E2=80=94 no need for s=
ponsors or complicated documents</span></p>
</li>
<li data-start=3D"2651" data-end=3D"2724">
<p data-start=3D"2653" data-end=3D"2724" style=3D"line-height:175%"><span s=
tyle=3D"color: #ffffff;">Fastest way to meet the financial requirement befo=
re visa appointment</span></p>
</li>
</ul></div></div></td></tr></tbody></table>
  <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"" style=3D""><tbody><tr><td class=3D"hs_padded" style=3D"fo=
nt-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-bre=
ak:break-word; padding:10px 20px"><div id=3D"hs_cos_wrapper_module_17642230=
453012" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_m=
odule" style=3D"color: inherit; font-size: inherit; line-height: inherit;" =
data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><table alig=
n=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"border-collapse:separate!important">
    <tbody><tr>
      <td align=3D"center" valign=3D"middle" bgcolor=3D"#E6F4F7" style=3D"f=
ont-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-br=
eak:break-word; border-radius:8px; cursor:auto; background-color:#E6F4F7; m=
so-padding-alt:12px 18px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VW1Fzh5=
LcbPJW38YBnb7DDnYRW3kyKQV5LJztzN3fD2Ds3qgz0W7Y8-PT6lZ3n0W3P4rlh2hgyJdW6QW9p=
c1FJBJzN5dKm7w9zzNCW6wRmHQ5yYZB7W3N-2Pj8vJGkpW3fln-q2qYNznN72NFKjWTns8W2yHx=
H42ngZKCN81g65gP2tr5W3xY9SD31MBC5W29s0Dy3v4TDMVQNVtj935kr6W7FxT7r4wNfMZW8tg=
ZcX16Km9XW5MH_RY302sMtW3f6Th498rp-wV7zLbb5v1cMvN2Fl0GsvXmXZW2GdRwk3cv7g5W6X=
8qtK5ZVbPtW98mPV-786F_rW1WqCw15KDkPVW5y67Q81KtGP6W7k5-KV6Lc-XnW5BhZb41_NTGF=
W5ZJkS-157WCNf8nQlBK04" target=3D"_blank" style=3D"color:#00a4bd; font-size=
:16px; font-family:Trebuchet MS, sans-serif; Margin:0; text-transform:none;=
 text-decoration:none; padding:12px 18px; display:block" data-hs-link-id=3D=
"0" data-hs-link-id-v2=3D"6TN8bPt5">
          <strong style=3D"color:#148498;font-weight:bold;text-decoration:n=
one;font-style:normal;">OPEN ACCOUNT NOW</strong>
        </a>
      </td>
    </tr>
  </tbody></table></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section_17642231294524" class=3D"hse-section" style=3D"padding=
-left:10px; padding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container hse-no-stack-row" style=3D"min-wid=
th:280px; max-width:600px; margin:0 auto; border-collapse:separate; display=
:table; width:100%; background-color:#ffffff; padding-bottom:10px; padding-=
top:10px" bgcolor=3D"#ffffff">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" class=3D"hse-no-stack-row" width=3D"600=
" bgcolor=3D"#ffffff">
      <tr style=3D"background-color:#ffffff;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"middle" style=3D"width:200px;padding-bottom:10px; padding-t=
op:10px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"200" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:200px">
<![endif]-->
<div id=3D"column-1764223129452-0" class=3D"hse-column hse-size-4 hse-no-st=
ack" style=3D"display:table-cell; max-width:200px; width:33.33%; vertical-a=
lign:middle">
  <div id=3D"hs_cos_wrapper_module_17642231294522" class=3D"hs_cos_wrapper =
hs_cos_wrapper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; =
font-size: inherit; line-height: inherit;table-layout:fixed" data-hs-cos-ge=
neral-type=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image=
-wrapper" role=3D"presentation" width=3D"100%" cellpadding=3D"0" cellspacin=
g=3D"0">
  <tbody>
    <tr>
      <td align=3D"center" valign=3D"top" style=3D"font-family:Lato, Tahoma=
, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px 30px; font-size:0px">
        <img alt=3D"Website Visuals" src=3D"https://mail.fintiba.com/hs-fs/=
hubfs/Website%20Visuals.png?width=3D320&amp;upscale=3Dtrue&amp;name=3DWebsi=
te%20Visuals.png" style=3D"outline:none; text-decoration:none; max-width:10=
0%; font-size:16px; border-radius:50%" width=3D"160" align=3D"middle">
      </td>
    </tr>
  </tbody>
</table></div>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
<!--[if (mso)|(IE)]>
  <td valign=3D"middle" style=3D"width:400px;padding-bottom:10px; padding-t=
op:10px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"400" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:400px">
<![endif]-->
<div id=3D"column-1764223129452-1" class=3D"hse-column hse-size-8 hse-no-st=
ack" style=3D"display:table-cell; max-width:400px; width:66.66%; vertical-a=
lign:middle">
    <table role=3D"presentation" cellpadding=3D"0" cellspacing=3D"0" width=
=3D"100%" class=3D"" style=3D"table-layout:fixed"><tbody><tr><td style=3D"f=
ont-family:Lato, Tahoma, sans-serif; font-size:15px; color:#54575d; word-br=
eak:break-word; padding:20px 20px 10px"><div id=3D"hs_cos_wrapper_module_17=
642231294523" class=3D"hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_=
type_module" style=3D"color: inherit; font-size: inherit; line-height: inhe=
rit;" data-hs-cos-general-type=3D"widget" data-hs-cos-type=3D"module"><div =
id=3D"hs_cos_wrapper_module_17642231294523_" class=3D"hs_cos_wrapper hs_cos=
_wrapper_widget hs_cos_wrapper_type_rich_text" style=3D"color: inherit; fon=
t-size: inherit; line-height: inherit;" data-hs-cos-general-type=3D"widget"=
 data-hs-cos-type=3D"rich_text"><p data-start=3D"3247" data-end=3D"3340" st=
yle=3D"line-height:175%">Every great journey begins with the basics =E2=80=
=94 and getting your finances right is the smartest first step.</p>
<p style=3D"line-height:175%; font-weight:normal; text-align:left" align=3D=
"left"><em>&nbsp;</em></p>
<p style=3D"line-height:175%; font-weight:bold; text-align:left" align=3D"l=
eft"><span style=3D"color: #000000;">Vikas</span></p>
<p style=3D"line-height:175%; font-weight:normal; text-align:left" align=3D=
"left"><span style=3D"color: #0b82a0;"><em>Your Companion - The Visa Expert=
&nbsp;</em></span></p></div></div></td></tr></tbody></table>
</div>
<!--[if gte mso 9]></table><![endif]-->
<!--[if (mso)|(IE)]></td><![endif]-->
    <!--[if (mso)|(IE)]></tr></table><![endif]-->
    </div>
  =20
  </div>
  <div id=3D"section-5" class=3D"hse-section" style=3D"padding-left:10px; p=
adding-right:10px">
   =20
   =20
      <div class=3D"hse-column-container hse-no-stack-row" style=3D"min-wid=
th:280px; max-width:600px; margin:0 auto; border-collapse:separate; display=
:table; width:100%; background-color:#0b82a0" bgcolor=3D"#0b82a0">
   =20
    <!--[if (mso)|(IE)]>
      <table align=3D"center" style=3D"width:600px;" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" class=3D"hse-no-stack-row" width=3D"600=
" bgcolor=3D"#0b82a0">
      <tr style=3D"background-color:#0b82a0;">
    <![endif]-->
    <!--[if (mso)|(IE)]>
  <td valign=3D"top" style=3D"width:150px;">
<![endif]-->
<!--[if gte mso 9]>
  <table role=3D"presentation" width=3D"150" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width:150px">
<![endif]-->
<div id=3D"column-5-0" class=3D"hse-column hse-size-3 hse-no-stack" style=
=3D"display:table-cell; vertical-align:top; max-width:150px; width:25%">
  <div id=3D"hs_cos_wrapper_module-5-0-0" class=3D"hs_cos_wrapper hs_cos_wr=
apper_widget hs_cos_wrapper_type_module" style=3D"color: inherit; font-size=
: inherit; line-height: inherit;table-layout:fixed" data-hs-cos-general-typ=
e=3D"widget" data-hs-cos-type=3D"module"><table class=3D"hse-image-wrapper"=
 role=3D"presentation" width=3D"100%" cellpadding=3D"0" cellspacing=3D"0">
  <tbody>
    <tr>
      <td align=3D"center" valign=3D"top" style=3D"font-family:Lato, Tahoma=
, sans-serif; color:#54575d; word-break:break-word; text-align:center; padd=
ing:10px 20px; font-size:0px">
        <a href=3D"https://mail.fintiba.com/e3t/Ctc/ZX+113/djTR--04/VW1Fzh5=
LcbPJW38YBnb7DDnYRW3kyKQV5LJztzN3fD2Ds3qgz0W7Y8-PT6lZ3lHW9d01Rz77Zh2NW8CDHR=
V2dT6F5W4G6HCL9dlSdGVy2yvt4vPwbnW6HLvX16CK3-DW1TGV0C27r8dBW2nMB0b94XLs3W10M=
70W27K57tN1f285VWXkY3W5DdYrR5LKpw1W67ptW88TnRp2W7-Tq736FlWyZW6Kb7Qf1vW_HJN4=
KmfNwW5DdKW72KZ322rkxFmVxg9rw3BqLvWW6GJpN835NfF-V1MMtd1v2jbPW50FBjq5K5sd3W3=
n-mC38hC72lW26-fBs6SYdctW8sflxt4NWykLW1FwBKK4bZPbTW39yb3p9bYNDfW8Ry3-F89dTx=
GW4n_xyN8yyS8zf4-Rh6004" target=3D"_blank" style=3D"color:#00a4bd" data-hs-=
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