OMG! DreamStreet! :) I loved these guys, they were my One Direction . . . haha, no one can replace BSB in my heart, but there's a very special place for Jesse McCartney, even 10 plus years later!!!!! :)
GIC stands for for Guaranteed Investment Certificate. It is a way for the bank to raise money so they can lend it out to you as a personal loan, mortgage, or credit card. You'll notice that the rate the bank pays you is always lower than the rate they charge you when you need money.
CTC basically stands for COST TO COMPANY...that is the total amount the company is willing to spend on its employee...the ctc includes the gross salary and the things like HRA(home rent allowance),petrol allowance and perqs if any...the CTC is not the amount which will be directly taxed...