CST provides a CST Loyalty Bonus for those who have a CST^TM Advantage Plan or Group Savings Plan. In fact, CST is the only group RESP with a dedicated CST Loyalty Bonus account, where money is set aside to refund the sales charge for our families. With CST^TM Advantage Plan, when the beneficiary attends post-secondary school, we will refund 50% of the sales charges you paid. Group Savings Plans and CST^TM Advantage Plans opened before October 3, 2007 have different CST Loyalty Bonus policies. Please see your Agreement for more information. To qualify for this refund:

• You need to make all of your contributions
• Your beneficiary needs to be in the plan when (s)he turns 18
• The beneficiary needs to collect all four EAPs

Should life happen and your situation change, we also offer you the ability to transfer to a Family or Individual Savings Plan if:

• You prefer a less structured contribution schedule or,
• The beneficiary pursues a post-secondary program that is shorter than four years or, 
• Your beneficiary decides to not pursue post-secondary education.