GOOD REASONS TO CHOOSE UNIVERSITAS

Are you ready to offer a child you

love a bright future? Get the most

out of your investment by choosing

the RESP provider with unmatched

expertise in the field of education

savings.

Universitas Management Inc., distributor and manager of the scholarship plans promoted by the Universitas Foundation of Canada

Centre d’affaires Henri-IV 1035 Wilfrid-Pelletier Avenue Suite 500 info@universitas.caQuebec QC G1W 0C5 Canada

Phone: 1 877 710-RESP (7377)   Fax: 418 651-8030 universitas.ca

EDUCATION SAVINGS DONE RIGHT

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RESP EXPERTISE at its best

Education savings have been at the heart of our activities for the last 55 years. We dedicate all our efforts to helping parents put their kids through school and we know the RESP from top to bottom!

CUSTOMER CARE every step of the way

With us, you can enjoy the highest standards of personalized service from the day you open your plan to the day your future graduate finishes school. Our professional team of scholarship plan representatives listen, care and pick up on your needs in a proactive way to ensure you achieve your goals.

PROTECTED SAVINGS for peace of mind

Want a safe investment for your savings? We’ve got you covered! With Universitas Financial you are sure to recover 100% of the savings invested,1 whether your child pursues a post-secondary education or not. After all, it’s your money―no question about it!

EVERY PENNY in grant money

Universitas makes sure you get all the government grants your child is entitled to and puts this money to work.2 For a quick catch-up of unclaimed grants from previous years, you can count on our RESPEED-UP Program; we even offer an RESP Loan as a funding option!

FREE ACCESS to education specialists

With the Stepping Stone Program, our clients benefit from 6 free hours of consultation (annually per family) to coach them through any challenge their children might be tackling, whether ADHD, school difficulties, or learning disorders to name only a few.3

SAVINGS OPTIONS to find your perfect fit

Do you prefer the convenience of monthly pre-authorized debits or the freedom to add to your RESP whenever you wish? We understand that all the families saving with us have different situations, goals and budgets. That’s why we offer several contribution options so you can find the perfect fit for you!

(1) The refund of contributions at plan maturity includes the sales charges of $200 per unit under the REFLEX Plan. Under the INDIVIDUAL Plan, the sales charge of up to $200 is not refunded. Certain conditions apply; refer to our Prospectus at universitas.ca (2) Contingent on the receipt of the required grant application authorization. Certain conditions apply; see our prospectus. (3) Certain conditions or limits apply. (4) See our prospectus atuniversitas.ca to learn which post-secondary programs are eligible. Certain conditions apply. Maximum withdrawals set by the Income Tax Act (Canada). (5) In accordance with the provisions of the Income Tax Act (Canada).

FREEDOM OF CHOICE so your child can dream big

We believe students should follow their dreams and pursue any school career their heart desires! Your child will have the freedom to undertake a vocational, college or university education, whether domestic or abroad. What’s more, his or her educational assistance payments (EAPs) will be available upon school enrolment.4

TOTAL CONTROL over school funds

Once your beneficiary enrols in a post-secondary program, you have access to all your RESP funds! Enjoy the freedom to choose when and how much you withdraw, whether in savings or EAPs, throughout the student’s school career.5

NO SHAREHOLDERS, only beneficiaries

At Universitas, we have no shareholders or members to pay dividends to, which means all excess revenues we don’t need to run business activities smoothly are returned to the plans. In sum, our beneficiaries are the ones who gain from our non-profit structure and receive this money.

PERFORMANCE & RESPONSIBILITY hand in hand

Your money grows under the management of industry-leading portfolio advisors, all of which are PRI signatories that value responsible investment decisions―a fact of which we are particularly proud! What’s more, our investment strategies strike the right balance to protect your savings while achieving a competitive industry return for a financial product with a 100% capital guarantee.1

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