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

Eligibility

Core Eligible Accounts

Eligible Accounts for 2% cash back

• Tax-Free Savings Account (TFSA) ¹
• Registered Retirement Savings Plan (single account holder and spousal) (RRSP)¹
• First Home Savings Account (FHSA)¹
• Self-Directed Locked-In Retirement Accounts (LIRA)¹ – Not available for TD Easy Trade
• Self-Directed Locked-In Retirement Savings Plan (LRSP)³ – Not available for TD Easy Trade

Eligible Accounts for 1% cash back

• Cash (single or joint account holder)
• Margin (single or joint account holder) – Not available for TD Easy Trade
• Corporate Account – Not available for TD Easy Trade

Bonus Eligible Accounts

Eligible Accounts for 2% cash back (only available when paired with a fully funded Core Eligible Account as described below)

• Retirement Income Fund (RIF)¹ – Not available for TD Easy Trade
• Life Income Fund (LIF)¹ – Not available for TD Easy Trade

Non-eligible Accounts

• Registered Education Savings Plan (RESP)²
• Registered Disability Savings Plan (RDSP)¹
• Any non-personal accounts other than a Corporate Account

How do I know if I am eligible for the Offer?

• 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 June 30, 2026.
• You're a legal resident of Canada.
• You fulfill the terms and conditions listed below.

Qualifications

How do I qualify for the Offer?

Register for the Offer between April 13, 2026, and June 30, 2026 (the “Registration Period”).

• 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 (SPRING2026/PRINTEMPS2026) between April 13, 2026 and June 30, 2026. If opening an account in branch or by phone, provide the promo code to the TD representative.
• If you already have an existing eligible TD Direct Investing or TD Easy Trade account, you can register by completing the registration form and including the account number from one of your eligible accounts.
• Once you are registered, all your eligible accounts, as defined above, will be included in the offer.
• Transfer in $10,000 CAD or more from any financial institution(s) outside of TD Bank Group. Initiate your first transfer directly from any financial institution(s) outside TD Bank Group within 30 days of registering for the Offer.
• Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of July 31, 2026, whichever comes first.
• In addition to the first transfer, any assets transferred into your eligible account from outside TD Bank Group until July 31, 2026, will be counted toward your total funding amount ("TFA").
• Transfers can be made to a new and/or existing TD Direct Investing and TD Easy Trade accounts.
• The TFA must meet the minimum funding amount of $10,000 CAD.

Bonus Eligible Account Qualifications

• A RIF or LIF is only eligible as a Bonus Eligible Account when opened and/or funded in combination with any Core Eligible Account under this offer.
• To have RIF or LIF assets included in the total TFA, you must first satisfy all offer requirements within Core Eligible Accounts. This includes transferring a minimum of $10,000 CAD into any Core Eligible Accounts in accordance with the terms of this offer. $10,000 can be split amongst several Core Eligible Accounts.
• Only when the minimum funding requirement has been met with the Core Eligible Accounts will new assets deposited into the Bonus Eligible Account(s) be counted toward the TFA.  
• RIFs will only count as a Bonus Eligible Account if there is an OFI deposit. For example, if you do not deposit eligible assets into RIF, this account will not be considered an eligible account.
• There is no minimum funding requirement for the Bonus Eligible Account(s).

Maintain the assets in your eligible account(s) until July 31, 2027.

• Any withdrawals that occur between April 13, 2026, and July 31, 2027 ("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 of the Annual Minimum Payment (AMP) from a RIF or LIF account to an account outside of TD Direct Investing or TD Easy Trade will be subtracted from your TFA. Deregistration to another TD Direct Investing or TD Easy trade account will not count as a withdrawal.
• Withdrawals from any non-eligible account (RESP, RDSP and non-personal accounts other than corporate) will not impact the TFA.
• Non-participating RIFs will not impact your TFA.

The "Reward"

How will the Reward be calculated?

• The total cashback Reward will be calculated based on 2% of the TFA of 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 $10,000 CAD.
• The cash back Reward will be calculated on the TFA maintained in the eligible account(s) as of July 31, 2027.
• 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 from any eligible account(s) that you hold within the Campaign Period (April 13, 2026 – July 31, 2027), will be subtracted from the TFA, including assets that were previously held in the account prior to the start of the Offer.
• Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account earning 2%, your 2% Reward will decrease. If you withdraw from an account earning 1%, 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 July 31, 2026, will not count towards the TFA.
• If the TFA falls below $10,000 CAD (excluding standard market fluctuations) as of July 31, 2027, no Reward will be granted.
• 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 Reward will be distributed by August 31,2027.
• 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 $10,000 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 $10,000 CAD.

Key Dates

• Campaign Period: April 13, 2026 – July 31, 2027
• Registration Period: April 13, 2026 – June 30, 2026
• Deadline to Register: June 30, 2026
• Funding Period:  April 13, 2026 – July 31, 2026
• First Transfer Initiation Deadline: 30 days after client registration date
• First Transfer Completion Deadline: 60 days after client registration date or July 31, 2026 – whichever comes first.
• All transfers must be completed by July 31, 2026
• TFA must be held in the account(s) until July 31, 2027
• You will receive your Reward by August 31, 2027

Additional Details

• To receive the cash back Reward, a client must keep their account(s) in good standing until the Reward payout date. 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.
• This Offer can be combined with the TD Investing Campaign for Direct Investing and TD Easy Trade Offer (TDIC). If you have previously registered for TDIC, the following conditions will apply when you register for this Offer:
  • Assets deposited, transferred, or otherwise funded into an eligible account before April 13, 2026 will continue to be governed by the terms and conditions of TDIC.
  • Assets deposited, transferred, or otherwise funded into an eligible account between April 13, 2026 - July 31, 2026 will be governed by the terms and conditions of this Offer, including holding the assets until July 31, 2027.
• 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.

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

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

TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

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