I got letter from the bank ....the fund has being in my account for a very long time...even If I print 2 years statement they wount find it there ...well before I got refuse some fund has being paid into my bank from my business so when I get the refusal I print another statement. So they will know that is not after I got refuse that I put money on my account. .to me I feel my first applications goes to the wrong officer ...Oh ok... Wow I'm surprised they refused that. But did you just drop 45K in an account or open a new account with 45K on it? That may have been the reason they refused the application. They don't like to see that people are just dropping a large sum of money in an account (which I did my second go around). What did you do differently this time and did you add a personal statement saying why you wanted to study in Canada? My fees are about 25K with my scholarship.