..continued
      from
      page
      8
     
    
   
   
    
     
      to
      right
      as
      Dr.
      Palmer
      Senior
      stated,
      "I
      don’t
      think
     
     
      so.
      I
      don’t
      think
      he
      will
      want
      to
      work
      for
      me.”
     
    
   
   
    
     
      As
      for
      he
      himself,
      Dr.
      Palmer
      is
      looking
      forward
      to
     
     
      retiring.
      He
      has
      been
      at
      UPEI
      since
      1967,
      and
      he
     
     
      ill
      remain
      here
      until
      he
      retires.
      He
      has
      doubts
      of
     
     
      returning
      to
      his
      home-Province
      because
      this
      Island
     
     
      has
      been
      a
      home
      to
      him
      for
      a
      long
      time.
     
    
   
   
    
     
      Last
      but
      not
      least,
      his
      message
      to
      the
      students
      is
     
     
      "to
      find
      out
      who
      you
      are.
      If
      you
      don’t
      do
      well
      in
     
     
      your
      subjects,
      it
      is
      not
      a
      personal
      failing
      in
      you.
     
     
      Find
      something
      you
      do
      like.
      You
      have
      to
      try
      and
     
     
      gain
      confidence
      in
      your
      own
      life.
      It
      is
      your
     
     
      responsibility
      to
      do
      what
      you
      want
      to
      do.
      It
      should
     
     
      be
      your
      goal
      to
      be
      able
      to
      work
      independently
      with
     
     
      a
      limited
      amount
      of
      supervision,
      with
      discipline
     
     
      and
      intelligence."
     
    
   
   
    
     
       
     
    
   
   
    
     
      THE
      SCOTIA
      BANKING
     
     
      ADVAN
      TAGE
     
    
   
   
    
     
      TAKE
      IT
      WHILE
      YOU
      CAN!
     
    
   
   
    
     
        
     
     
         
     
     
       
     
     
        
     
     
         
     
     
        
     
     
       
     
     
        
     
     
        
     
     
       
     
    
   
   
    
     
      We
      know
      that
      students
      have
     
     
      special
      banking
      needs.
      That’s
     
     
      why
      we
      designed
      the
      Scotia
     
     
      Banking
      Advantage.
     
    

    
     
      This
      package
      of
     
     
      services
      is
      available
      to
     
     
      you
      as
      long
      as
      you're
      a
      full-
     
     
      time,
      post-secondary
      student
     
     
      and
      come
      into
      your
      Branch
      to
      :
     
     
      reactivate
      the
      package
      each
      :
     
     
      school
      year
      (prior
      to
      October
      31st).
     
     
      Take
      a
      look
      at
      what
      we
      have
      to
      offer.
     
    
   
   
    
     
      A
      Daily
      Interest
      Savings/Chequing
     
    

    
     
      Account
      With
      No-Charge
      Chequing
     
     
      Open
      a
      Scotia
      Powerchequing*
      Account.
      You'll
     
     
      earn
      daily
      interest
      on
      your
      deposit
      and
      you
      won't
     
     
      have
      to
      pay
      the
      usual
      cheque,
      pre-authorized
      _
     
     
      payment,
      withdrawal
      or
      transfer
      fees.
      You
      can
      write
      as
     
     
      many
      cheques
      as
      you
      want
      at
      no
      charge
      without
      having
     
     
      to
      maintain
      a
      specific
      minimum
      monthly
      balance.
     
    
   
   
    
     
      The
      Convenience
      Of
      An
      Automated
     
     
      hine
      Card
     
     
      With
      a
      Cashstop*!
      Card
      and
      your
      Scotia
      Power-
     
     
      chequing
      Account,
      you
      can
      make
      withdrawals,
     
    
   
   
    
     
      deposits,
      transfers,
      balance
      enquiries
     
     
      and
      VISA
      payments,
      free
      of
      appli-
     
     
      cable
      service
      charges,
      day
      or
      night,
     
     
      at
      any
      Scotiabank
      Cashstop
     
     
      machine.
     
    
   
   
    
     
      A
      No-Fee
      Credit
      Card
     
     
      You'll
      be
      able
      to
      apply
      for
      a
     
     
      Scotiabank
      Classic
      VISA?
      card
     
     
      with
      a
      $500
      credit
      limit.
      And
     
     
      as
      long
      as
      you
      have
      the
      Scotia
     
     
      Banking
      Advantage,
      we
      won't
      charge
     
     
      you
      the
      usual
      annual
      fee.
     
    
   
   
    
     
      A
      Grad
      Auto
      Loan*
     
    

    
     
      Once
      you
      graduate
      and
      have
      a
      job,
      a
      Grad
      Auto
     
     
      Loan
      can
      help
      you
      get
      a
      new
      or
      used
      car
      (up
     
    

    
     
      to
      3
      model
      years
      old).
      You
      can
      arrange
      to
      postpone
     
     
      the
      start
      of
      your
      repayment
      for
      up
      to
      90
      days
     
    

    
     
      from
      the
      date
      the
      loan
      is
      advanced
      to
      you!
      Apply
     
     
      as
      early
      as
      90
      days
      before
      starting
      your
      new
      job
     
     
      and
      up
      to
      a
      year
      after
      graduation.
     
    
   
   
    
     
      For
      full
      details
      on
      the
      Scotia
      Banking
      Advantage,
     
     
      visit
      any
      Scotiabank
      Branch.
      We'll
      be
      happy
      to
     
     
      help
      you.
     
    
   
   
    
     
      Scotiabank
      &
     
    
   
   
    
     
      *Rewtered
      Trade
      Marks
      of
      The
      Bank
      of
      Nowa
      Scutie
     
     
      1
      ln
      Queeber,
      this
      seroee
      is
      called
      Trans:
      Acton
     
     
      2
      DNS
      peters
      wet
      of
      mark
     
    
   
   
    
     
      §.
      For
      graduates
      only,
      subject
      to
      satisfactory
      job
      venfication
     
     
      and
      Credit
      approval
     
    

    
     
      4.
      Interest
      is
      calculated
      from
      the
      date
      of
      Note.
      We
      wall
      apply
     
     
      installments
      first
      to
      the
      payment
      of
      interest
      and
      the
     
     
      remainder
      if
      any
      to
      the
      unpaid
      balance
      of
      the
      total
     
     
      sneunt
      vou
      have
      borrowed
     
    
   
   
    
     
       
     
    
   
   
    
     
      September
      13th,
      1990