2026 TD Direct Investing and TD Easy Trade^TM Easy Cash Offer (the “Offer”)

Eligibility

• You're a new or existing TD Direct Investing or TD Easy Trade client, with your account(s) in good standing, as described below, at the time of participating in the Offer.
• You're the legal age of majority in your province or territory by October 23, 2026.
• You're a legal resident of Canada.
• You fulfill the terms and conditions listed below.

Qualifications

How do I qualify for the Offer?

1. Register for the Offer between July 2, 2026, and October 23, 2026 (the “Registration Period”).

• You can register by completing the registration form and including an account number from any one of your eligible accounts.
• If you don't have an existing eligible TD Direct Investing or TD Easy Trade account, you can register by opening a new account and including the promocode CASHBACK (or REMISE in French) between July 2, 2026 and October 23, 2026. If opening an account in branch or by phone, provide the promocode to the TD representative. 
• Once you are registered, all your eligible accounts, as defined above, will be included in the Offer.

2.   Transfer in $2,500 CAD or more to your eligible account(s) by November 30, 2026.

• Transfer from any financial institution(s) outside of TD Bank Group directly to your eligible account(s).
• Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of November 30, 2026, whichever comes first. 
• In addition to the first transfer, any assets transferred into your new/or existing eligible account from outside TD Bank Group until November 30, 2026, will be counted toward your total funding amount ("TFA"). The TFA must meet the minimum funding amount of $2,500 CAD.

3. Maintain the assets in your eligible account(s) until November 30, 2028.

• Any withdrawals that occur between July 2, 2026, and November 30, 2028 ("Campaign Period") from any eligible account(s) will be subtracted from the TFA. This includes assets that were in the account prior to the start of the Offer, regardless of registration date.
• Withdrawals from any non-eligible account (RIF, LIF, RESP, RDSP and non-personal accounts other than corporate) will not impact the TFA.

The "Reward"

How will the Reward be calculated?

• The total cash back Reward will be calculated based on 3% of the TFA in any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $15,000 CAD. 
• To determine the applicable cash back Reward tier, eligible assets will be assessed based on the account into which the funds are initially transferred into, under this Offer. Subsequent transfers between eligible accounts will not change the cash back Reward tier. 
• The cash back Reward will be paid in two installments:
  • The First Reward Payment will be paid by December 31, 2027, provided all Offer conditions have been met. This portion of the Reward will be 50% of the Reward you are eligible for based on the TFA maintained in the eligible account(s) until November 30, 2027.
  • The Final Reward Payment will be paid by December 31, 2028, provided all Offer conditions continue to be met. This portion of the Reward will be calculated based on the TFA maintained in the eligible account(s) until November 30, 2028, minus the amount received in the First Reward Payment. 
  • Any withdrawals that occur between December 1, 2027 and November 30, 2028 will be subtracted from the TFA used to calculate the Final Reward Payment. 
• If you transfer assets into multiple accounts, the TFA will be calculated by combining the value of the assets transferred into all of the eligible accounts.
• Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account in the 3% Reward tier, your 3% Reward will decrease. If you withdraw from an account in the 1% Reward tier, your 1% Reward will decrease.
• If you have positive TFA in only one Reward tier, withdrawals from any of your eligible accounts will reduce that Reward tier.
• The market value of assets at the time of deposit will be used to determine the value of the assets transferred into the account(s).
• Interest and dividends will not be included in the calculation of the TFA but will be subtracted from the TFA if withdrawn.
• The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). U.S. dollar balances will be converted into Canadian dollars using the exchange rate on the date of deposit to determine eligibility.
• Assets transferred into the account(s) after November 30, 2026, will not count towards the TFA.
• If withdrawals reduce the TFA to less than $2,500 CAD as of November 30, 2027, you will not be eligible for any Reward. If withdrawals reduce the TFA to less than $2,500 CAD as of November 30, 2028, the final installment of the Reward will not be granted.
• Standard market fluctuations that decrease the TFA to less than $2500 will not impact your reward.
• For any TFA deposited into a joint account, the total cash back Reward can only be allocated to the primary account holder. Withdrawals from a joint account will be deducted from the primary account holder's TFA regardless of which account holder completed it. There is no impact to any additional account holder(s).

How will the cash back Reward be deposited into my account?

• The First Reward Payment will be distributed by December 31, 2027. The Final Reward Payment will be distributed by December 31, 2028.
• If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
• If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.
• The Reward will be paid in CAD to the Canadian component of the account(s).
• For joint accounts, TD Direct Investing is not responsible for how the Reward is managed or shared once it has been paid out.
• The maximum Reward a client can receive is $15,000 CAD.
• If a client transfers assets to both TD Direct Investing and TD Easy Trade accounts for the Offer, the maximum Reward they can receive across all TD Direct Investing and TD Easy Trade accounts is $15,000 CAD.

Key Dates

• Campaign Period: July 2, 2026 – November 30, 2028
• Registration Period: July 2, 2026 – October 23, 2026
• Registration Deadline: October 23, 2026
• Funding Period:  July 2, 2026 – November 30, 2026
• First Transfer Completion Deadline: 60 days after client registration date or November 30, 2026 – whichever comes first.
• Transfer Deadline: November 30, 2026
• TFA must be held in the account(s) until November 30, 2028
• First Reward Payment: by December 31, 2027
• Final Reward Payment: by December 31, 2028

Additional Details

• To receive the cash back Reward, a client must keep their account(s) open and in good standing until the Reward payout. Good standing requires the account(s) to not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
• TD Direct Investing does not guarantee eligibility where funding deadlines are missed due to processing delays.
• This Offer can also be combined with the 2026 TD Direct Investing and TD Easy Trade Spring Offer. If you have previously registered for 2026 TD Direct Investing and TD Easy Trade Spring Offer, the following conditions will apply when you register for this Offer:
  • Assets deposited, transferred, or otherwise funded into an eligible account before July 31, 2026 will continue to be governed by the terms and conditions of 2026 TD Direct Investing and TD Easy Trade Spring Offer.
  • Assets deposited, transferred, or otherwise funded into an eligible account between August 1, 2026 - November 30, 2026, will be governed by the terms and conditions of this Offer, including holding the assets until November 30, 2028.
  • This Offer may be combined with other TD Direct Investing and TD Easy Trade Offers. Please refer to the terms and conditions of each offer to determine eligibility.
• You may combine this offer with the following TD Banking Packages:
  • TD New to Canada Banking Package
  • TD Student Banking Package
  • TD International Student Banking Package
• Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in the TFA for the purpose of calculating the Reward for this Offer. This includes assets that are transferred out and subsequently transferred back in.
• Employees of TD Bank Group are eligible for the Offer.
• This Offer may be changed, extended, or withdrawn at any time without notice.
• This Offer is not transferable.
• Assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
• There may be tax implications associated with the cash Reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash Reward is paid directly to the plan and is not considered a contribution.
• Standard market fluctuations, and account fees will be excluded from calculations used to determine if an account qualifies for the Reward.
• TD Direct Investing reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines you have violated the terms set out above.

¹Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.

²Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)

³Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.

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TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.

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