Student ID: 110364741 | Application ID: 4448540

20 August 2021

Ms Nur Aliah Zulkifli

No 3, Jln Ahmad Hj. Salam, Kampung Paya Merah
Labis JH 85300
MALAYSIA

Dear Ms Nur Aliah Zulkifli,

Congratulations, your application to study at the University of South Australia has been successful and I am so pleased to provide you
with this offer of admission. The University of South Australia has a long established record of excellence in international education
and I encourage you to accept this offer and begin your journey on one of our vibrant and multicultural university campuses.

Bachelor of Business (Economics, Finance and Trade) (DBIB) Pthwy Mstr Fin

CRICOS Code: 027743E Campus: City West

Attendance mode: Full-Time - Internal Orientation date: 1 August 2022

Start date: 1 August 2022 End date: 14 June 2025
Duration: 3 years Intake: Study Period 5 - 2022

Estimated annual tuition fee:

Credit / Advanced Standing:
Conditions of Entry:
0 units AU$32,600.00
(36 units)
A satisfactory English Language Level within the 24 months preceding commencement of
study: IELTS (Academic) 6.0 with a sub-score of 6.0 in reading and writing, or an approved
alternative. Please view our English Language Comparison Table for more information
OR
MUET English Band 4 or above; including provision of the certified official
transcript/statement of result
Successful completion of the Sijil Tinggi Persekolahan Malaysia (STPM) with a minimum
score of 6 (best 3 subjects); including provision of final official transcript.

On successful completion of Bachelor of Business (Economics, Finance and Trade), and having achieved the minimum result
specified in this offer, you will be admitted into the following program:

Master of Finance (DMFC)

CRICOS Code: 082591D Campus: City West

Attendance mode: Full-Time - Internal Orientation date: 4 August 2025
Start date: 4 August 2025 End date: 16 June 2026
Duration: 1 year Intake: Study Period 5 - 2025

Estimated annual tuition fee:

Credit / Advanced Standing: 36 units AU$35,900.00
(36 units)
Conditions of Entry: Successful completion of your University of South Australia Bachelor degree, including the
4 (four) specified postgraduate courses outlined in your Study Plan (attached).

Conditions

Your offer is subject to any conditions listed below, in addition to those included within the program information above.

Documents supplied must be original certified copies. Determination of whether a condition has been satisfactorily met is at the sole
discretion of the University.

Page 1 of 6
Acceptance Fee

The following fees are payable on acceptance of your offer:

First Tuition Payment (First half year) + AU$16,300.00

Overseas Student Health Cover + AU$0.00

Less Amount Previously Paid - AU$0.00

Total Acceptance Fee: = AU$16,300.00

Offer Notes

Please note that in order for you to undertake postgraduate courses in the third year of your Bachelor degree (allowing you to
complete your Master’s degree in one year), you must have obtained a GPA of 4.0 or above at the completion of your second year of
your University of South Australia Bachelor program.
If you are unable to meet this requirement you will be transitioned into the standard pathway to postgraduate study on completion of
your Bachelor degree. This means that on successful completion of your Bachelor degree you will be eligible to apply for entry to a
Master’s program, including 4 courses of advanced standing, enabling you to complete the Master in 1.5 years.

Please note this onshore offer of admission is subject to you being able to commence on-campus in Adelaide, Australia. If you are
offshore, you should check the Department of Home Affairs website for updates in relation to Australia’s travel restrictions
https://covid19.homeaffairs.gov.au/travel-restrictions before accepting this offer.

Orientation
Your orientation may not commence on a Monday. Please check the Orientation website for further information:
www.unisa.edu.au/orientation

Tuition Fees
The Estimated Annual Tuition Fee is based on a standard full time enrolment (36 units per year). The tuition fee is accurate at the time
of offer and is subject to change.

Once you have started your program, your tuition fees will increase each calendar year. However, your fees will not be more than the
fees for commencing (new) students. Your tuition fees will be based on your enrolment and the fees set for that year.

International students contribute to student services and amenities as a component of their tuition fees to support services of a non-
academic nature. For more information please visit: https://i.unisa.edu.au/campus-central/Fees-and-Finance/Student-services-and-
amenities-fee/Payment/

If there is any change in tuition fees between the date of this Offer of Admission and the date the University receives your tuition fee
payment, the University reserves the right to adjust the tuition fees for the program. The tuition fees may change if you decide to defer
your enrolment. You must pay the University the changed tuition fees before enrolment. In the event of a variation between the fees
on this Offer of Admission and the approved University schedule of tuition fees found at http://programs.unisa.edu.au/public/pcms/
the approved University schedule will prevail.

You may incur incidental fees in addition to your tuition fees during your studies. These non-tuition fees may include but are not limited
to textbooks, special equipment, uniforms, clearances, immunisations, transport accommodation and food for placements or field trips,
and fines. A list of the estimated non-tuition fees you may incur during your program can be found at
https://international.unisa.edu.au/non-tuition-fees/.

Work Based Training

This program may have work-based training included as part of the program requirements. Please refer to your program’s webpage
for more information http://study.unisa.edu.au/.

We look forward to receiving your response to this Offer and welcoming you to the University of South Australia.

Yours sincerely,

Gabrielle Rolan
Pro Vice Chancellor: International

University of South Australia

www.unisa.edu.au/international

Page 2 of 6
UniSA CRICOS 00121B

The University of South Australia reserves the right to alter, amend or delete any program, fee, course, admission requirement, mode of delivery or other
arrangement without prior notice.

Page 3 of 6
 Acceptance & Payment Form
Student ID: 110364741 | Application ID: 4448540

This form must be completed and signed by international students who want to accept an Offer for a place at the University of South Australia. This form and
attached Terms and Conditions of Payment and Refund of Fees for International Students constitute a written agreement between the University of South
Australia and the student in accordance with sections 28-29 of the Education Services for Overseas Students (ESOS) Act 2000. Before signing and returning
this form please ensure that you have:
read and understood the Terms and Conditions of Payment and Refund of Fees for International Students included with your offer letter
read and understood the Guidelines on Genuine Temporary Entry and the Guidelines on Living Costs and Evidence of Funds available
at: www.unisa.edu.au/Study-at-UniSA/International-students/How-to-apply
read and understood the Conditions of Acceptance included with your offer letter
completed and signed the declaration on this form

Personal Details

First name: Nur Aliah Family name: Zulkifli

Title: Ms Date of Birth: 27-Jun-2002

Citizenship: MALAYSIA Passport No:

Program Details

Program: Start Date: End Date:

Bachelor of Business (Economics, Finance and Trade) (027743E) 1 August 2022 14 June 2025
Master of Finance (082591D) 4 August 2025 16 June 2026

Acceptance Fee

The following fees are payable on acceptance of your offer:

First Tuition Payment (First half year) + AU$16,300.00

Overseas Student Health Cover + AU$0.00

Less Amount Previously Paid - AU$0.00

Total Acceptance Fee: = AU$16,300.00

Payment of the Total Acceptance Fee should be made by logging into the UniSA Online Application System, accepting your offer and
proceeding through to Western Union GlobalPay for Students. http://www.unisa.edu.au/Study-at-UniSA/International-students/How-to-
apply/Accept-your-offer/

Under the ESOS Act, you may now choose to pay more than 50 per cent of your total tuition fees before commencement. If you want
to pay more than the First Tuition Payment, send a reply email with the amount you wish to pay.

Overseas Student Health Cover (OSHC)

It is a condition of your student visa that you maintain Overseas Student Health Cover (OSHC) for the duration of your visa. For more
information and exceptions to this condition please refer to the 'Have adequate health insurance' condition on the Department of
Home Affairs' website https://immi.homeaffairs.gov.au/visas/getting-a-visa/visa-listing/student-500#Eligibility. For information on policy
types and details please refer to: http://oshc.bupa.com.au/get-bupa.

Declaration of Acceptance
I declare that I have read, understood and agree to my Offer of Admission which includes Terms and Conditions of Payment and
Refund of Fees for International Students, the Conditions of Acceptance and this Acceptance & Payment Form.

Student's signature: Date:

Page 4 of 6

The University's Rights
The University reserves the right to:
(a) withdraw an Offer if I do not meet the Conditions of Entry specified in my
Offer of Admission;
(b) withdraw an Offer if the University does not receive the tuition fees, OSHC
fees and the completed and signed Acceptance and Payment Form from
me before the program places are filled;
(c) withdraw an Offer in accordance with the Guidelines on genuine temporary
entry and Guidelines on living costs and evidence of funds as referred to in
the Selection and Entry Policy;
(d) verify any documents provided as part of my Application and withdraw an
Offer if they prove to be fraudulent or incorrect in any way;
(e) refer fraud to other institutions and relevant government departments,
including the Department of Home Affairs;
(f) alter the Terms and Conditions of Payment and Refund of Fees for
International Students from time to time;
(g) alter, amend or delete any program, fee, course, admission requirement,
mode of delivery or other arrangement without prior notice.
Note: Australian statutory authorities external to the University reserve the right
to change conditions of professional registration (e.g. nurses, teachers) and the
information currently provided by the University is therefore subject to change.
Student's Responsibilities
1. Offer of Admission:
1.1 I acknowledge and agree that:
(a) the Offer Made by the University relies on the information I have provided to
be true and correct and that any false information provided or lack of
disclosure may lead to withdrawal of my Offer or termination of my
enrolment;
(b) if granted recognition of prior learning (credit/advanced standing) I
acknowledge and accept the credit/advanced standing;
(c) the University may share and discuss my contact details, academic
progress, examination results and any issues affecting or relating to my
studies (including visa and health issues) with my Sponsor/Nominated
Award Administrator/Partner Institution;
(d) I am responsible for keeping a copy of this Offer Letter and any receipts of (b) if I am not successful at the appeal I will have access to an external appeal
payments to the University.
2. Before I start at the University:
2.1 I consent to the University:
(a) providing my personal details to my Overseas Student Health Cover
provider for the purpose of creating my overseas health cover policy;
(b) checking and keeping a record of my visa status and study entitlements
with the Department of Home Affairs (including via the Visa Entitlement
Verification Online (VEVO) Service).
(c) providing me with information about its products, services and events. I
understand that I can review how my personal information is collected and
withdraw my consent at any time by visiting the University's Privacy Policy. 7.2 This written agreement, and the right to make complaints and seek appeals
3. Financial and Genuine Temporary Entrant
Responsibilities
3.1 I confirm I have sufficient financial resources to pay for travel, tuition and 7.3 My personal information collected by the University may be disclosed to the
living expenses for myself and any dependants for the duration of my stay
in Australia as set out in my Offer of Admission. I understand that if I obtain
work in Australia this is considered an opportunity for social interaction and
not as a source of income.
3.2 I am a genuine student and I intend to obtain a successful education
outcome and stay in Australia temporarily.
4. While at the University:
4.1 I acknowledge and agree that:
(a) I will arrive on campus in time for orientation and enrolment and if I arrive
after the commencement of classes I may not be permitted to enrol in the
program;
(b) the University may defer or temporarily suspend my enrolment due
to misbehaviour and this may affect my student visa (it may be cancelled);
(c) if I defer or suspend my program of studies, this may affect my student visa
(it may be cancelled);
Page 5 of 6
Terms and Conditions of Acceptance
Student ID: 110364741 | Application ID: 4448540
(d) I am bound by the University’s academic and other policies and procedures
relevant to international students including but not limited to:
i. restriction on transfer to another provider during the first six month of my
program;
ii. maintenance of enrolment in all study periods to enable completion of the
program within the duration specified on my Confirmation of Enrolment
document;
iii. maintenance of satisfactory academic progress and attendance at classes;
iv. payment of tuition fees in accordance with my invoice due dates;
v. limit my enrolment in external/online mode to less than one-third of my total
program.
5. My Visa:
5.1 I acknowledge and agree that:
(a) I am responsible for obtaining a visa that permits me to study in Australia
for the duration of my program and will abide by the conditions attached to
my visa including:
i. notifying the University of any change in my address, mobile number,
personal email address and details of my emergency contact person/s and
any changes to these details within 7 days;
ii. maintaining valid health insurance and adhering to its conditions over the
period of my visa;
iii. working no more hours than permitted by my visa;
(b) I will pay all visa and any other associated costs should compassionate and
compelling circumstances require me to extend my program of studies;
(c) the University may report any suspected breaches of my visa conditions to
the Department of Home Affairs which may result in the cancellation of my
student visa;
(d) it is a condition of a student visa that any of my family members of school
age (between five and 18 years) living in Australia must attend school in
Australia and I understand that school fees may be charged.
6. Appeals and Complaints
6.1 I understand that:
(a) if I am not satisfied with a decision made by the University I can appeal that
decision at no cost;
process;
(c) I can make a complaint regarding any matter relating to my dealings with
the University, the University’s Education Agents, or any related party;
(d) I can obtain information regarding the policies and processes for lodging a
complaint at: http://i.unisa.edu.au/student-feedback-and-complaints/
7. Applicable Law
7.1 I am protected by the Education Services for Overseas Students (ESOS)
legislative framework found at:
https://internationaleducation.gov.au/Regulatory-Information/Pages/
Regulatoryinformation.aspx
of decisions and action under various processes, does not affect the rights
of the student to take action under the Australian Consumer Law if the
Australian Consumer Law applies.
Australian Government and designated authorities and, if relevant, the
Tuition Protection Service Director. In other instances information collected
on this form or during my enrolment can be disclosed without my consent
where required or permitted by law, in accordance with the Privacy Act
1988 and the University's privacy policy.
7.4 If the University is unable to deliver the program, the University will:
(a) offer an alternative program; or
(b) provide a refund of my unspent tuition fees.
7.5 In the unlikely event that the University in unable to meet its obligations set
out in 7.4, the Australian Government’s Tuition Protection Service (TPS) will
assist me in finding an alternative course or to get a refund if a suitable
alternative is not found.
 Terms and Conditions of Payment and
Refunds of Fees for International Students
These Terms and Conditions have been developed in accordance with the ESOS Act 2000, ESOS Regulations 2001, the National Code of Practice for
Registration Authorities and Providers of Education and Training to Overseas Students 2018 and the University's Student Fees and Loans Policy (Policy No:
A-47) http://i.unisa.edu.au/policies-and-procedures/university-policies/academic/a-47/
1. Payment and Calculation of Fees
1.1 In order to accept an Offer of Admission, international students are required to pay
50% of the annual tuition fee (First Tuition Payment). If they will be obtaining a
student visa they will also require visa length Overseas Student Health Cover.
1.2 Unless specifically requested, payment is not required from students with
conditional offers until they meet the conditions of their Offer. If a student does
make payment in respect of a conditional offer, when not required to do so, any
application for a refund will be assessed in accordance with these Terms and
Conditions.
1.3 Continuing international students are students who have completed 18 units of
study at the University. They are charged tuition fees for each study period based
on their enrolment load (total unit value). Due dates for payments are set per study
period and are shown on the student invoice. If students do not pay in full by the
due date shown on the invoice they are considered to be in bad financial standing
(BFS). A student in BFS will not be permitted to enrol, review results, obtain an
academic transcript, graduate or obtain a new Confirmation of Enrolment
document.
1.4 If a student is sponsored by a third party, the University establishes a contract
between the University and the third party for payment of fees. If the third party
defaults on payments the student is responsible for payment of the tuition fees.
2. Student Services and Amenities
2.1 International students contribute to student services and amenities as a component
of their tuition fees.
2.2 Inbound exchange students will be invoiced for this fee at the beginning of each
study period, based on their enrolment load.
2.3 All other international student will have this included in their tuition fee.
2.4 Students will not be entitled to any refund of this fee after the census date.
3. Refunds of First Tuition Payment
3.1 Students are entitled to a full (100%) refund of their First Tuition Payment if:
(a) they are refused a student visa and provide documentary evidence of such refusal;
(b) their student visa is delayed by circumstances beyond their direct control and they
provide independent documentary evidence to support their claim and as a result
they are not able to commence in the study period for which they applied;
(c) the offer of a place is withdrawn by the University unless it is withdrawn due to
incorrect or incomplete information supplied by or on behalf of the student in which
case any refund will be entirely at the University's discretion;
(d) in the unlikely even that the University is unable to provide the program or start the
program on the agreed starting day. In these circumstances the student may also
be offered enrolment in an alternative program at no extra cost to the student.
Students have the right to choose whether to accept the place in the alternative
program (which they must do in writing) or the full refund of their First Tuition
Payment.
3.2 Students will be refunded:
(a) 90% of their First Tuition Payment if they give written notice of their inability to
study at least four (4) weeks before the commencement of their first study period;
(b) 90% of their First Tuition Payment if they have not met the appropriate entry
requirements in their conditional offer and have given written notice prior to the
commencement of their first study period;
(c) 50% of their First Tuition Payment if they have given less than four (4) weeks
written notice before the commencement of their first study period of their inability
to study or where they withdraw from the program on or before their first study
period census date;
3.3 Students will not be entitled to any refund of their First Tuition Payment if:
(a) they withdraw from the program after their first study period census date regardless
of whether they have enrolled in less than 18 units and part of the First Tuition
Payment remains on their account; or
(b) they do not provide appropriate evidence to support their refund application.
3.4 Students will not automatically be entitled to a refund of their First Tuition Payment
if their visa is cancelled. Circumstances surrounding the visa cancellation will be
assessed on a case by case basis.
3.5 The University may in its sole discretion waive timeframes if the student is able to
provide compassionate and compelling reasons together with supporting
documentation as to why a refund application was not submitted earlier.
1 www.unisa.edu.au/Study-at-UniSA/International-students/How-to-apply/Forms-and-fees/
Page 6 of 6
Student ID: 110364741 | Application ID: 4448540
3.6 Refund applications for continuing students will be assessed in
accordance with the University's Student Fees and Loans Policy.
3.7 For the purposes of these Terms and Conditions the following
definitions apply for non-award programs "Commencement of the
Study Period" means the date the program commences and
”census date" means four (4) weeks from the date the program
commences.
4. Refund of Overseas Student Health Cover
4.1 If the University arranged Overseas Student Health Cover (OSHC)
on behalf of the student and the student has not yet entered
Australia they will be refunded 100% of their OSHC by the
University.
4.2 If a student has entered Australia the University cannot refund any
OSHC and the Student must apply for a refund from their OSHC
provider (which may retain a compulsory minimum cover premium in
accordance with its refund policy).
5. Refund Process
5.1 Students seeking a refund must apply in writing using the Refund
Request Form 1.
5.2 Students must attach with the Refund Request Form:
(a) a copy of their passport (including the signature page);
(b) a statement explaining why they are requesting a refund.
5.3 In the event that the student is requesting a refund due to returning
home, they must evidence their departure. This will be verified by
the University by checking their location with the Department
of Home Affairs prior to processing the refund.
5.4 In the circumstances referred to in 3.1 (a) and (b) and 3.2 (a) (b) and
(c) a refund will be processed within four (4) weeks and in the
circumstances referred to in 3.1 (c) and (d) a refund will be
processed within fourteen (14) days of receiving a complete
application.
5.5 Refunds are paid in Australian dollars and will only be made if the
University has already received cleared monies in its bank account.
5.6 If their First Tuition Payment was made by credit card, the refund
will be made to the credit card used for payment.
5.7 Refunds may be paid to a third party (i.e. person or organisation
other than the student):
(a) at the student's request; or
(b) where the payment was made by a third party and the University is
required by Australian Law or by agreement to refund the original
payer.
6. Deferrals
6.1 If a student defers the commencement of their program to a future
study period their First Tuition Payment will be transferred to that
future study period.
6.2 If a student applies for a refund but then defers and later applies for
a new refund of their First Tuition Payment that new refund request
will be processed using the timeframes of the original refund
application and not the new refund application e.g. if the student
applied on census date in the first application and 4 weeks before
the commencement of the study period in the second application the
second application will be processed as if it was submitted on
census date.
7. Appeals Process
7.1 Students can appeal against the University's decision regarding
refunds if they believe that the University's Student Fees Policy or
these Terms and Conditions have not been correctly observed or
other relevant information has not been considered. Students must
lodge their appeal in writing with documentary evidence to support
any claims to: The Director, Student and Academic Services,
University of South Australia, 101 Currie Street, Adelaide SA 5000,
Australia.
7.2 The appeal must be lodged no more than 28 days after the student
has been advised of the decision they are appealing against.
7.3 These Terms and Conditions and the availability of an appeals
process does not remove the right of the student to take action
under Australian Consumer Law.