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1 The Calculator is a tool to help you assess the potential of opening and contributing to an RDSP. The estimates provided by the Calculator are for information purposes only. The profile of your RDSP may differ from the Calculator projection. Once you have answered the questions below and viewed the projections, you can print this report. Run various scenarios to see how it would effect the value of your RDSP. Answer these 12 questions to see what your RDSP could look like Open RDSP at age 25 Eligible for Disability Tax Credit? Yes Contribute to RDSP till age. 54 Adjusted Family Income is Less than $21,287 Annual Family Contribution Investment Strategy $1,500 Conservative-GIC's, Bonds, Mutual Funds (5.5 Lump Sum Contribution? $55,000 At age.. 54 Earning your wings early? At age.. Enter your info in the cells to the left Use your tab key to move between cells, input numbers or select options from the drop down menus when they appear. Ideal age to start receiving payments from the plan? 55 Province/Territory of residence? AB Click here and scroll down to view report Based on the data you entered above, here are some projections Estimated Grant on Lump Sum Contribution Estimated Annual Grant before age 19 0 = Estimated Annual Grant as an Adult 20.0 $3,500 = $70,000 Estimated Annual Bond before age 19 0 = Estimated Annual Bond as an Adult 20.0 $1,000 = $20,000 Estimated Total Government Grants & Bonds $90,000 Estimated Annual Family Contribution 30 $1,500 = $45,000 Estimated Lump Sum Family & Friends Contribution $55,000 Estimated Total Family & Friends Contribution $100,000 TOTAL Contributions from all sources $190,000 What will be the impact of RDSP's on provincial benefits? Your Provincial Government totally supports the RDSP. None

2 "How much will my RDSP be worth?" Let's take a look $500,000 $450,000 Value of Your RDSP Adjusted for Inflation $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50, Age Value of RDSP when you start withdrawals at age 55 Value in today's dollars (assuming 2% annual inflation rate) $431,674 $311,945 Total Disability Payments received from the RDSP over your lifetime $974,866 Holdback amount (10 yr. rule) paid to Gov't at age 55 Grants held back =

3 The approximate Lifetime Disability Payment schedule from your RDSP $70,000 Annual Disability Payments Adjusted for Inflation $60,000 $50,000 $40,000 $30,000 $20,000 $10, Age Annual payments from this RDSP may start at approximately.. and based on your investment profile, may increase annually by.. Annual payments (in terms of today's dollar), may start at. assuming a 2% annual rate of inflation, and may increase by Number of years Lifetime Disability Payments will need to last.. based on your ideal age to start receiving payments. Was lump sum payment made after Disability Payments start. Disability Payment may start at $15,417 at age $15, % $11, % 28 No 55

4 Summary of Government Grants and Bonds Paid Into Your RDSP Annual Contributions $4,500 $4,000 $3,500 $3,000 $2,500 $2,000 $1,500 $1,000 $500 Government Contribution Family Contribution 0 $1,500 Average Annual Grant $3,500 Average Annual Bond $1,000 Family & Friends Contribution Summary of Total Contributions $20,000 $70,000 $100,000 Total Family Contributions Total Government Grants Total Government Bonds

5 Disclaimer Statement and Contact Information The formula used in this calculator for determining Annual Disability Payments comes directly from the RDSP legislation passed by the Federal Government in December You will notice that your estimated Disability Payment is also expressed in today s dollars. It is an estimate of how much your future annual income would be worth today. The projections made in this report are for illustration purposes only, not a guarantee of what you will have when you start receiving Disability Payments. Your actual Disability Payments could be higher or lower, depending on the performance of your investments. Neither Planned Lifetime Advocacy Network, its agents, nor any of its employees are providing legal, tax, or investment advice. The RDSP Calculator has been developed and tested for accuracy over the last few months. Although we have worked out most of the glitches, you may input a scenario that uncovers another glitch. If this occurs, please save the report and send it to us so that we can analyze and correct the problem. If you have any questions regarding the use of the Calculator, the results it produced, or other RDSP related issues, please direct your questions to: OR simon.evans@investorsgroup.com Speak with your Financial Advisor for financial advice relating to the RDSP and to learn how you can increase your Disability Payments by purchasing an annuity with a portion of the RDSP value at the time of withdrawals.