1. Qualifying Plan(s) or Account(s)

A new personal or spousal TD Canada Trust Retirement Savings Plan or a new personal or spousal TD Mutual Funds Retirement Savings Plan or a new personal TD Multi-Holding Retirement Savings Plan (the "New RRSP").

or

A new TD Canada Trust Tax-Free Savings Account or a new TD Mutual Funds Tax-Free Savings Account or a new TD Multi-Holding Tax-Free Savings Account (the "New TFSA"). 

or

A new TD Multi-Holding First Home Savings Account (“New FHSA”).

The Award applies only to new Registered Retirement Savings Plans ("New RRSPs") or the new Tax-Free Savings Accounts ("New TFSAs") or the new TD Multi-Holding First Home Savings Account ("New FHSA"). The Award do not apply to Non- Registered Accounts, any type of Locked-in RSP, including Locked-in Retirement Account (LIRA), Locked-in Registered Retirement Savings Plan (LRRSP) and Restricted Locked-in Savings Plan (RLSP).  Registered Education Savings Plan (RESP), Registered Retirement Income Fund (RRIF), locked-in types of RRIF, do not qualify.

2. Eligibility Requirements
A $200 Award (the "Award") is available if:

i. A Qualifying Plan(s) or Account(s), as defined above, is opened between April 1^st - June 30^th, 2024; and

ii. $7,000 or more is contributed or transferred-in from another Canadian financial institution into one of the Qualifying Plan(s) or Account(s) between April 1^st - June 30^th, 2024; and

iii. $7,000 is invested into a Qualifying Product, as defined below, on or before June 30^th, 2024 and is maintained in a Qualifying Product(s) until November 30^th, 2024 (the "Campaign Offer Period").

An additional $50 Award ("PPP Award") is available if:

1.       The individual meets all Award Eligibility Requirements, as outlined above;

2.       A new Pre-Authorized Purchase Plan ("PPP") is set up in a Qualifying Plan or Account with a minimum monthly investment amount of $100 between April 1^st, 2024, and June 30^th, 2024 (the "Campaign Offer Period"); and

3.       The first PPP transaction occurs no later than July 31^st, 2024;

4.       The PPP is maintained in the Qualifying Plan or Account until November 30^th, 2024 (the number of PPPs and fund allocations may change);

5.       At least $300 is contributed to the Qualifying Plan or Account through the PPP and invested into a Qualifying Product by November 30^th, 2024. The $300 must be maintained in the Qualifying Plan or Account(s) until November 30^th, 2024;

To facilitate the payment of the Award and PPP Award (subject to the eligibility requirements of each award), the Qualifying Plan or Account must remain open until November 30^th, 2024.

3. Qualifying Product(s):

TD Mutual Funds or TD Managed Assets Program portfolios (excluding U.S.-denominated units of such investments) available for purchase through TD Investment Services Inc. or TD Canada Trust non-cashable Guaranteed Investment Certificate (“GIC”) with a maturity of 1 year or more.

4. Calculation of the Award

The Award will be calculated based on the aggregate total of all contributions and/or transfers-in to one of the Qualifying Plan(s) or Account(s) and invested in the Qualifying Product(s) at time of fulfillment.

The book value of the contributions and/or transfers-in will be used to calculate the Award. For purposes of clarity, the book value will be determined based on the Qualifying Product(s) which are held in only one of the Qualifying Plan(s) or Account(s) at time of fulfillment.

5. Deposit of the Award and PPP Award

For individuals with a "New RRSP", the Award and PPP Award will be paid, on or before November 30^th, 2024, as set out below:

i. For a TD Mutual Funds Retirement Savings Plan: As an investment into the same series¹ of the same mutual fund in the same proportion as set out in the Qualifying Product(s) amount in the "New RRSP".

ii. For a personal or spousal TD Canada Trust Retirement Savings Plan: As a cash payment into the RRSP Daily Interest Savings Account.

iii. For a personal TD Multi-Holding Retirement Savings Plan: As a deposit into the cash portion of the TD Multi-Holding Retirement Savings Plan. 

For a spousal RRSP, the Award and PPP Award will be paid into that plan and not paid to the contributor.

For individuals with a TFSA, the Award and PPP Award will be paid, on or before November 30^th, 2024, as set out below:

i. For a TD Mutual Funds Tax-Free Savings Account: As an investment into the same series¹ of the same mutual fund in the same proportion as set out in the Qualifying Product(s) investment amount in the New TFSA.

ii. For a TD Canada Trust Tax-Free Savings Account: As a cash payment into the TFSA High Interest Savings Account

iii. For a TD Multi-Holding Tax-Free Savings Account: As a deposit into the cash portion of the TD Multi-Holding Tax-Free Savings Account.

For individuals with a New FHSA, the Award will be paid on or before November 30th, 2024, as a deposit into the cash portion of the New FHSA.

6. Tax Implications

• The award and PPP award will not impact customer's contribution limits, no tax receipt will be issued
• There may be tax implications associated with the Award. Customers should consult with a tax advisor for more information
• Customers are solely responsible for ensuring that no contribution to their new FHSA, new TFSA or new RRSP exceeds their contribution limits under the applicable tax legislation.

7. Limitations and Exclusions
i. For a New RRSP, an individual is not eligible for the Award and PPP Award if they: (a) have a personal and/or spousal TD Mutual Funds Retirement Savings Plan, Daily Interest Savings Account (DISA) and/or personal TD Multi-Holding Retirement Savings Plan; (b) open a New RRSP and/or DISA during the Campaign Offer Period in the same name; or (c) had an existing personal and/or spousal TD Mutual Funds Retirement Savings Plan, DISA or personal TD Multi-Holding Retirement Savings Plan that was closed on or after April 1^st  2024.

ii. For a New TFSA, an individual is not eligible for the Award and PPP Award if they: (a) have an existing TD Mutual Funds Tax-Free Savings Account, High Interest Savings Account (HISA) or TD Multi-Holding Tax-Free Savings Account; (b) open a New TFSA and/or HISA during the Campaign Offer Period in the same name; or (c) had an existing TD Mutual Funds Tax-Free Savings Account, HISA or TD Multi-Holding Tax-Free Savings Account that was closed on or after April 1^st, 2024.

iii. For a New FHSA, an individual is not eligible for the Award if they: (a) have an existing TD Multi-Holding First Home Savings Account, (b) open a New FHSA during the Campaign Offer Period in the same, name; or (c) had an existing TD Multi-Holding First Home Savings Account that was closed on or after April 1st, 2024.

iv. Non -Registered accounts do not qualify for this offer.  The Exclusive Offer is limited to one Award and PPP Award per individual and to one Qualifying Plan or Account that meets the conditions of this offer. An individual is eligible to receive the Award and the PPP Award under this Exclusive Offer in the Qualifying Plan or Account and cannot receive the Award more than once nor into more than one Qualifying Plan or Account.

v. If an individual becomes eligible for this Award and the PPP Award under more than 1 plan (New RRSP, a New TFSA and/or New FHSA), the Award will be paid in the following priority:
a.       into the New RRSP

b.       into the New TFSA

c.       into the New FHSA

vi. The Exclusive Offer is non-transferable, and cannot be combined with any other 2024 TD Summer Investor Confidence Program offer or program. Joint accounts are not eligible for this Exclusive Offer.

vii. Employees and family members of TD Bank Group are eligible for this Exclusive Offer.  

viii. For holders of a New RRSP, monies cannot be transferred-in from any TD registered account² (inclusive of RRSP, TFSA or FHSA).

ix. For holders of a New TFSA, monies cannot be transferred-in from any TD registered account² (inclusive of RRSP, TFSA or FHSA).

x. For holders of a New FHSA, monies cannot be transferred-in from any TD registered account² (inclusive of RRSP, TFSA or FHSA).

xi. TD reserves the right, in its sole and absolute discretion, to amend or withdraw the Exclusive Offer or to disqualify, limit or revoke the Exclusive Offer in respect of any client who it determines or believes is abusing or manipulating the Exclusive Offer.  The Exclusive Offer is non-transferable, and cannot be combined with any other TD 2024 Summer Investor Confidence Program offer or promotion. You will be solely responsible for the payment of any applicable fees, penalties, charges or other amounts associated with or connected to this offer.

8. Transfer Fees
Personal Savings & Investing will not reimburse transfer fees incurred by individuals who transfer funds from another financial institution.

9. Currency
All currency referenced above is in Canadian dollars.

10. Disclosures:
¹If the TD Mutual Fund(s) is no longer available for new purchase; the Award will be deposited into a Money Market Fund in the name of the customer.

²Refers to the TD Waterhouse Self-Directed RRSP, the TD Waterhouse Tax-Free Savings Account or the TD Multi-Holding First Home Savings Account.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus, which contain detailed investment information, before investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated.

TD Mutual Funds and the TD Managed Assets Program Portfolios are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank, and available through authorized dealers.

Mutual Fund Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.

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