Personal Savings & Investing

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

And/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").

And/or

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

The $150 Award or $300 Award and the $50 Pre-Authorized Purchase Plan (PPP)Award (“PPP Award”), as referenced in section 3, applies only to New RRSPs and/or New TFSAs and/or New FHSAs. The Award and the PPP Award do notapply to any type of Locked-in RRSP, 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), Retirement Income Fund (RIF), locked-in types of RIF, non-personal, and non-registered accounts do not qualify.

2. Qualifying Products

• TD Mutual Funds (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.

3. Eligibility Requirements for the Award
  
Option 1: Opening 1 Qualifying Plan (New RRSP OR New TFSA OR New FHSA)

A $150 award (the "Award") is available if:

1. The individual has met with an advisor or Retail Investment Specialist to set their investment goals using TD Goal Builder by January 31^st, 2024;

2. A Qualifying Plan as defined above, is opened between November 1^st, 2023, and January 31^st, 2024, at 11:59 p.m., Eastern Standard Time (the "Campaign Offer Period");

3. $5,000 or more is invested into a Qualifying Product, as defined above, on or before January 31^st, 2024, and is maintained in a Qualifying Product(s) until July 31^st, 2024 at 11:59 p.m. Eastern Standard Time;

4. To facilitate the payment of the Award, the Qualifying Plan must remain open until July 31^st, 2024.

Option 2: Opening 2 of the 3 Qualifying Plans (New RRSP, New TFSA, New FHSA)

A $300 award (the "Award") is available if:

1. The individual has met with an advisor or Retail Investment Specialist to set their investment goals using TD Goal Builder by January 31^st, 2024;

2. Two Qualifying Plans (two of thefollowing: New RRSP, New TFSA,New FHSA), as defined above, areopened between November 1^st, 2023, and January 31^st, 2024, at 11:59 p.m., Eastern Standard Time(the "Campaign Offer Period");

3. $5,000 or more is invested into a Qualifying Product, as defined above, in each of two Qualifying Plans on or before January 31^st,2024, and is maintained in a Qualifying Product(s) until July 31^st, 2024 at 11:59 p.m. Eastern Standard Time;

4. To facilitate the payment of the Award, two Qualifying Plans must remain open until July 31^st, 2024.

4. Eligibility Requirements for the PPP Award

An additional $50 PPP Award is available if:

1. The individual(s) meets all Eligibility Requirements for the Award in one of the two options as outlined in section 3;

2. A new PPP is set up in a Qualifying Plan with a minimum monthly investment amount of $50 invested into a Mutual Fund as outlined within the Qualifying Product, as defined in section 2;

3. The first PPP transaction occurs no later than March 1^st, 2024;

4. The PPP is maintained in the Qualifying Plan until July 31^st, 2024; (the number of PPPs and fund allocations may change);

5. The PPP Award is available only at a maximum of one award per customer; and

6. The individual(s) must invest $5,000 or more into a Mutual Fund as stated in section 3 (Eligibility Requirements for the Award) and invest $50 or more monthly through a new PPP in a Mutual Fund as stated inthis section (Eligibility Requirements for the PPP Award). GIC only purchases do not qualify for the PPP Award.

To facilitate the payment of the Award and the PPP Award, the corresponding Qualifying Plans) must remain open until July 31^st, 2024.

5. Calculation of the Award
  
The Award will be calculated based on the aggregate total of all contributions and/or transfers-in to the New RRSP and/or New TFSA and/or New FHSA and invested in the Qualifying Product(s) as of May 31^st, 2024.

The book value of the contributions and/or transfers-in will be used to calculatethe Award. For purposes of clarity, the book value will be determined based on the Qualifying Product(s) in the New RRSP and/or New TFSA and/or New FHSA on May 31^st, 2024.

7. Tax Implications
 

• The 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.

8. Limitations and Exclusions

 i.  For a New RRSP, an individual is not eligible for the Award if they: (i) have a personal and/or spousal TD Canada Trust Retirement Savings Plan, TD Mutual Funds Retirement Savings Plan and/or personal TD Multi-Holding Retirement Savings Plan; (ii) open a New RRSP during the Campaign Offer Period in the same name; or (iii) had an existing personal and/or spousal TD Canada Trust Retirement Savings Plan, TD Mutual Funds Retirement Savings Plan, or personal TD Multi-Holding Retirement Savings Plan that was closed on or after October 31^st 2023.

  ii.  For a New TFSA, an individual is not eligible for the Award if they: (i) have an existing TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Savings Account; (ii) open a New TFSA during the Campaign Offer Period in the same name; or (iii) had an existing TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Savings Account that was closed on or after October 31^st 2023.

 iii.  For a New FHSA, an individual is not eligible for the Award if they: (i) have an existing TD Multi-Holding First Home Savings Account; (ii) open a New FHSA during the Campaign Offer Period in the same name; or (iii) had an existing TD Multi-Holding First Home Savings Account that was closed on or after October 31^st, 2023.

 iv.  The Option 1 Offer under either a New RRSP, New TFSA or New FHSA is limited to one Award valued at $150 per individual. The Option 2 Offer is valued at a total of $300 if the individual completes all requirements for a minimum of two Qualifying Plans (New RRSP, New TFSA or New FHSA). If an individual qualifies for the above offers (Option 1 or Option 2) they do not qualify for any other offers from TD Canada Trust or TD Investment Services Inc., as applicable during the campaign period as defined in section 3

  v.  Employees and family members of TD Bank Group employees are eligible for this Offer. 

 vi.  For holders of a New RRSP, monies cannot be transferred-in from a TD Wealth RRSP² account or TD Canada Trust Retirement Savings Plan.

 vii.  For holders of a New TFSA, monies cannot be transferred-in from a TD Wealth TFSA² account or TD Canada Trust Tax-Free Savings Account.

 viii.  For holders of a New FHSA, monies cannot be transferred-in from a TD Wealth TFSA² account or TD Canada Trust Tax-Free Savings Account.

  ix.  This Offer may be changed, extended, or withdrawn at any time and without notice and cannot be used in conjunction with any other offer, other than as may be set out above.

9. Transfer Fees

TD Canada Trust or TD Investment Services Inc., as applicable, will not reimburse transfer fees incurred by individuals who transfer funds from another financial institution.

10. Currency

All currency referenced above is in Canadian dollars.

11. Disclosures

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

²Refers to the TD Direct Investing Self-Directed RRSP or the TD Direct Investing Tax-Free Savings Account.

Commissions, trailing commissions, management fees and expenses all may beassociated with mutual fund investments. Please read the fund facts and prospectus,which contain detailed investment information, before investing. Mutual funds arenotcovered by the Canada DepositInsuranceCorporation orby any othergovernment deposit insurer and are not guaranteed or insured. Their values changefrequently. There can be no assurances that a money market fund will be able tomaintain its net asset value per unit at a constant amount or that the full amount ofyour 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.

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

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

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