GCWCC Tradex RESP Registered Education Savings Plan

Tradex was founded in 1960 by members of the Trade and Commerce and External Affairs, where the name Tradex comes from. We are a non-profit company established in Ottawa. Our own mutual funds are offered exclusively to Public Sector employees, current or retired and their families. Since 2000, we also offer access to most of the 5,000 mutual funds available in Canada as well as Guaranteed Investment Certificates, High Interest Savings Accounts, and Insurance products. History

2014 Fund Raising Partner

Donations by Year $9,802$6,892$24,763

The Tradex GCWCC RESP Here’s how it works! Example of a $2,500 RESP investment:

Why should I use the program? 2014 One public servant from Canadian Immigration and Citizenship has transferred his RESP under the program and created a donation of ……… $5,150 !!!!

What do I need to do?

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What is an RESP? Registered Education Savings Plans, (RESPs) help you save for a child’s education. The Government of Canada provides a 20% cash grant of up to $500 per year per child until age 17. The grant room is cumulative and allows you to catch up on “unused” grant, for a maximum of $1000 per beneficiary in any one year. Contributions are not tax-deductible. Income and gains grow tax- deferred, and are then favorably taxed in the hands of the student when withdrawn. A BMO study indicates the cost of a 4 year university degree for a newborn could rise to more than $140,000 due to tuition inflation.

How much will education cost? $6,395 $7,035$6,942 $9,780

Why the GCWCC Tradex RESP? Tradex donates 5% to the GCWCC on any new RESP contributions or transfers made through this program on an ongoing basis in the applicant’s name. 40% of children in some Ottawa neighborhoods will start school without the basic skills they need to succeed. The donations help address this problem. Plenty of people in Canada aren’t using an RESP to save for their children’s future education. Only about 34% of eligible kids receive the Canada Education Savings Grant. Helps you reach your own campaign donation goals without any out of pocket cost.

...continued For the beneficiary  Minimum CESG at 20% is $500 for a $2500 contribution  Maximum $600 grant (for income below $42,707)  Quebec Education Savings Incentive QESI (Quebec residents) = $250 For the subscriber (applicant) Tradex donates at 5% = $125 Tax credit minimum is $25.06 Tax credit maximum is $58.01 Super credit maximum is $89.26

NEI SPECIAL EQUITY & GLOBAL DIVIDEND A $2,000 annual December contribution for $400 annual CESG grant January Contribution from = $14,000 Market gains + grants = $10,863 + $2,800 Current market value of RESP = $27,663 April 27, 2015 GCWCC Tradex program charitable tax receipt = $700 Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the prospectus before investing. The rates of return include reinvestment of all distributions and do not take into account any sales, redemptions, distribution or optional charges or income taxes payable by an investor that could have reduced returns. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

Going Forward Contact Information Luc Bisaillon or David Encarnacao or Send Information Electronically Presentation Materials Enrollment Forms Presentations to your groups Booth set up at various department events

Disclosure This information has been provided by Tradex Management Inc. (TMI) and is for informational purposes only. It is not intended to provide legal, accounting, tax, investment, financial or other advice and such information should not be relied upon for providing such advice. TMI takes reasonable steps to provide up-to-date, accurate and reliable information, and believes the information to be so when printed. Due to the possibility of human and mechanical error as well as other factors, including but not limited to technical or other inaccuracies or typographical errors or omissions, TMI is not responsible for any errors or omissions contained herein. TMI reserves the right at any time and without notice to change, amend or cease publication of the information. Any investment and economic outlook information contained in this report has been compiled by various sources. Information obtained from third parties is believed to be reliable, but no representation or warranty, express or implied, is made by TMI. TMI assume no responsibility for any errors or omissions. This report may contain forward-looking statements. Forward- looking statements are not guarantees of future performance. Forward-looking statements involve inherent risks and uncertainties, so it is possible that predictions, forecasts, projections and other forward-looking statements will not be achieved. We caution you not to place undue reliance on these statements as a number of important factors could cause actual events or results to differ materially from those expressed or implied in any forward-looking statement.These factors include, but are not limited to, general economic, political and market factors in Canada, the United States and internationally, interest and foreign exchange rates, global equity and capital markets, business competition, technological changes, changes in laws and regulations, judicial or regulatory judgments, legal proceedings and catastrophic events. The above list of important factors that may affect future results is not exhaustive. Before making any investment decisions, we encourage you to consider these and other factors. Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the prospectus before investing. The rates of return include reinvestment of all distributions and do not take into account any sales, redemptions, distribution or optional charges or income taxes payable by an investor that could have reduced returns. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.