Could you please also PM me the answer. I just lost my job, and I study at Concordia. I can't afford to pay my bills without those GICs, and as a chef it's super hard to find work in the winter, even part-time. I just need them to get through the next few months, or I might have to give up my home and sell all my furniture, and go sleep at a YMCA for a couple months... I am really desperate and really need to know what to do at the bank to redeem my Non-Redeemable GICs early...