1 The offer applies to Flex First plans opened between January 20 and March 30, 2016. For Flex First plans, a minimum total contribution of $2,500 is required. Offer valid for new beneficiaries only. At least one contribution must be deposited into the plan by April 30, 2016. Plan must be active at the time of the reimbursement to qualify. Reimbursement will be made to the customer by direct deposit or cheque by July 2016.

2 This offer applies to Family Group plans opened between January 20 and March 30, 2016. In order to benefit from last year’s rates, all contributions back to December 2015 must be paid at the time the plan is opened. Knowledge First Financial will pay the income adjustment from the date of enrolment to December 2015. This amount will be credited to the customer’s plan after the promotion is completed. Based on monthly and annual contribution schedules, backdating to 2015 for the same deposit amount would yield an extra 12% units. The amount of savings will depend on your contribution schedule and age of your child.

† These payments are discretionary. Discretionary payments are not guaranteed. You should not count on receiving a discretionary payment. Knowledge First Foundation decides if it will make a payment in any year and how much the payment will be.

**Eligibility criteria applies. Optional in Quebec.

For more information about education savings plans from Knowledge First Financial Inc. visit knowledgefirstfinancial.ca or please refer to our prospectus.

Knowledge First Financial is a registered trademark of Knowledge First Financial Inc.

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Open a Family Group plan and get last year’s rates2

Our Family Group plan is designed for those saving for four years of post-secondary education. It offers unique benefits that can add to your savings and potentially provide even higher payments to your child. And for a limited time, you can take advantage of last year’s rates when you make up your missed contributions. Family Group plan features include:

✓ Shared income pool

✓ Government grants

✓ Life & disability insurance**

✓ Discretionary payments†

Open a Flex First plan and get $50 cash1

Our Flex First plan offers you the greatest choice and flexibility of any RESP. You get to decide how much and how often you contribute to your plan. And as your needs change, so will your RESP as you can alter your payment plan as often as you’d like. Plus, for a limited time, when you open a Flex First plan we’ll give you $50 cash. What you do with that money is entirely up to you. Flex First plan features include:

✓ Individual plan

✓ Government grants

✓ Loyalty bonus program

✓ Discretionary payments†

No matter which offer you choose, Knowledge First Financial has plans that will fit your family budget today and help fulfill your child’s education needs for tomorrow.

Start the year off right with an RESP from Knowledge First Financial.

Act now! Offers end March 30, 2016.*

KICK OFF 2016 BY KICK STARTING YOUR RESPThere couldn’t be a better time to start saving for your child’s post-secondary education. The beginning

of the year is always the best time to open an RESP because you can take full advantage of a whole year of contributions and maximize your government grants. Plus you can benefit from these special offers:

*Conditions apply.