Our RESP | CST Savings Inc.

The CST Advantage Plan

^{Top 40 Money Managers, Benefits Canada, November 2022}

Our singular passion is to make post-secondary education possible for all Canadians

We’ve been helping Canadian families invest in post-secondary education through RESPs for decades.

^{* Canadian Scholarship Trust Plan 2022 Audited Financial Statements}

^{**Canadian Scholarship Trust Foundation 2022}

Get the most from your education savings

An Investment Approach for long-term success

Your investment is in the hands of some of Canada’s top institutional money managers.¹ So you can be confident that your money will be there when you need it.

We focus on long-term value by investing to protect your principal combined with the earning power you need.

Principal protection

Your RESP principal² and grants are invested in securities such as Canadian government and corporate bonds. Once your student is ready to attend post-secondary education, we will return your principal.

Earning power you need

The income your principal² and grants earn are invested in a mix of U.S. Equity, International Equity, Real Estate, and Infrastructure Equity Exchange Traded Funds (ETFs), along with Canadian Equities with a goal of ensuring your investment earns positive returns over the life of the plan.

^{1. Top 40 Money Managers, Benefits Canada, November 2022.}

^{2. Principal: A Subscriber's accumulated contributions less sales charges and account maintenance fees.}

Saving for their future made easy

^{1. Principal: A Subscriber's accumulated contributions less sales charges and account maintenance fees.}

^{2. Advantage Plan Benefits are comprised of Attrition and the Group Plan Bonus. Refer to the Prospectus for additional information.}

^{3. Subject to investment risk: See Prospectus for details.}

No matter what path your child takes, we’re here to help

If your child decides not to pursue post-secondary education or you want more flexibility on your contributions and how you withdraw your savings, you can always enroll in a Family Savings Plan or Individual Savings Plan. You can also easily transfer from a CST Advantage Plan to a Family or Individual Savings Plan¹.

These options are perfect for children of any age and come with a different set of benefits that help you confidently save for the long-term.

^{1. Conditions apply: Transfer to Family or Individual Savings Plan must occur prior to the payment of any EAPs and December 31 in the year the Beneficiary turns 20 and will lead to a loss of rights as a CST Advantage Plan subscriber. Please see Prospectus for details.}