Banking Offers for Newcomers to Canada

¹ Value of up to $1,985 in welcome bonuses, savings and benefits is calculated as follows:

TD Unlimited Chequing Account Offer³: Earn up to $203.40 in account fee savings for the TD Unlimited Chequing Account (the “New Chequing Account”) and completing the qualifying criteria as set out in the offer ³. This value is based on $16.95 monthly account fee rebate for the first 12 months.
Limited Time TD Unlimited Chequing Account Offer⁹: Earn $400 in cash upon opening a new TD Unlimited Chequing Account between June 4, 2024 and September 26, 2024, by completing the qualifying criteria as set out in the offer ⁹;
TD Savings Deposit Offer¹⁰: Earn $200 based on a $10,000 balance in the New Savings Account, when a New Chequing Account customer opens a new TD ePremium Savings Account or TD Every Day Savings Account (the "New Savings Account") by September 26, 2024, and meets the qualifying criteria as set out in accordance with offer below.
TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer¹¹: Earn up to $524 in value¹², including up to 20,000 Aeroplan points^6,11 and no Annual Fee for the first year¹¹. Conditions Apply¹¹. Account must be opened by September 3, 2024.
TD Direct Investing Offer¹⁴: Earn up to $199.90 in value with TD Direct Investing for an offer of a single Cash and Trade Reward for up to $100 cash as well as up to 10 rebated trades ($9.99 per trade). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by June 4, 2024. This offer begins on June 4, 2024 and ends on September 26, 2024. Please see the complete terms and conditions below for eligibility¹⁴.
Eligible account types include:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax Free Savings Account single account holder (TFSA)
- Registered Retirement Savings Plan single account holder (RRSP)
- Temporary workers and International Students are only eligible for a Cash account (single or joint account holder)
TD Global Transfer Offer⁷: Up to $360 annual value is based on two money transfers per month for 12 months using TD Global Transfer™ at a fee of $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.
Amazon.ca Gift Card Offer⁸: Receive a $100 Amazon.ca Gift Card⁸ if you: (a) open a new TD Unlimited Chequing Account and complete the qualifying criteria for Limited Time TD Unlimited Chequing Account⁹; (b) open a new TD Every Day Savings Account or a TD ePremium Savings Account by September 26, 2024 and complete the qualifying criteria⁸ by November 30, 2024; and (c) Open an eligible Credit Card⁸ by September 26, 2024 and meet the qualifying conditions in accordance with the Amazon.ca Gift Card Offer⁸

² To qualify for the New to Canada banking package you must be the age of majority at time of account opening in your province or territory of residence and must be a Permanent Resident or Temporary Resident of Canada for 5 years or less and provide proof of your status through your:

Permanent Resident Card,
Confirmation of permanent residence (e.g., IMM Form 5292), or
Temporary Permit (e.g., IMM Form 1442, 1208, 1102)

And provide 1 of the following pieces of personal identification:

Valid passport
Canadian driver’s license
Government of Canada identification card

Note: Other identification documents may be acceptable or required. Please visit a TD branch for details.

We reserve the right to change, extend or withdraw this offer at any time.

³ TD Unlimited Chequing Account Offer: A TD Unlimited Chequing Account (the “New Chequing Account”) must be opened in order to qualify for the monthly account fee rebate. The monthly account fee will only be rebated for the first 12 months that the New Chequing Account is open and is limited to one account per person and the type of chequing account cannot change during the 12-month period. The monthly account fee rebate only applies to the regular/pro-rated monthly fee; all other fees will continue to apply. If the minimum monthly balance is maintained in the New Chequing Account in any given month during the first 12 months that the account is open and the monthly account fee is not charged, no monthly account fee rebate will be applied for that month. For details on fees, please see: http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp

⁴ TD Every day Savings Account 1.00% Interest Rate Bonus for 3 months Terms & Conditions: Savings Account bonus offer only applies to a TD Every Day Savings Account that is opened by customers who open the New Chequing Account. Bonus offer is limited to 1 eligible savings account per person and the type of savings account cannot change during the Offer Period. The bonus rate is in addition to the posted interest rate on the savings account and will be applied to the savings account commencing no later than 10 business days after the customer has accepted the New to Canada banking package and will be effective for 3 months thereafter (“Offer Period”). During the Offer Period, your New Savings Account is not eligible for any other offer. Regular posted interest rates will apply after the end of the Offer Period. Bonus interest will be calculated separately and paid monthly. Interest rates are subject to change without notice. All interest rates are per annum. For details on rates, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/account-rates/

⁵ TD Cash Back Visa* Card Offer Terms & Conditions: Limited Time Offer. This Offer starts on June 4, 2024 and ends September 26, 2024 (the "Offer Period") and is only available to those enrolled in New to Canada Banking Package during the Offer Period, and those New to Canada Primary Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by September 26, 2024. Offer consists of two parts that New to Canada customers may qualify for separately: a Mobile Purchase Bonus and a Cash Back Bonus

Mobile Purchase Bonus: Earn $10 in Cash Back Dollars when you add your new TD Cash Back Visa* Card (opened during the Offer Period) to your mobile wallet and make a mobile Purchase within the first 5 months. Eligible Purchases for the Mobile Purchase Bonus: Purchases must be charged to the Account at any merchant that accepts Apple Pay, Google Pay, or Samsung Pay during the Offer Period. Purchases made using any other method of payment will not qualify.
Cash Back Bonus: Earn $25 in Cash Back Dollars for every statement cycle when you spend $500 or more on your TD Cash Back Visa* Card for the first 5 months, up to a maximum of $125 in Cash Back Dollars. The total earned bonus will be a one-time payout.

Purchases made during a statement cycle but posted after the end of that statement cycle will not count towards eligible Purchases for that month and count towards eligible Purchases for the next statement cycle. For example, if your monthly statement cycle is from August 15 to September 14, a Purchase made on September 14 (transaction date) and posts on September 15 (posting date) will not count for eligible Purchase for that month and will count towards spend in the next month's statement cycle. If the August 15 to September 14 period was your 5^th monthly statement cycle, then the Purchase that was made on September 14 and posted on September 15 would not count towards this Offer.

To earn up to $135 in Cash Back Dollars to the TD Cash Back Visa* Card, you must keep your Account open, active and in good standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions for each offer are fulfilled for the Cash Back Dollars to be credited to your TD Cash Back Visa* Card Account. This offer is not available to customers who have activated and/or closed a TD Cash Back Visa* Card Account in the last 12 months or transferred their existing TD Credit Card into a TD Cash Back Visa* Card Account, or closed a TD Credit Card within the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.

New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $135 Cash Back Dollar offer is available to New to Canada customers, who:

Are at the age of majority at time of account opening in your province or territory of residence; and
Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
Does not have an existing TD Credit Card Account

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

Annual interest rates, fees and features are current as of June 4, 2024 unless otherwise indicated and subject to change.

Quebec Only

Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.

Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases - Default Rate	25.99%	$2.14	$4.27	$21.36
Cash Advances - Default Rate	27.99%	$2.30	$4.60	$23.01

^{^}Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.

⁶ Aeroplan™ points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

⁷ TD Global Transfer Offer Terms & Conditions: The unlimited TD Global Transfer transfer fee rebate offer for up to 12 months is available to individuals who qualify for the New to Canada package and open a TD Unlimited Chequing Account (“the New Chequing Account”). During the period the New Chequing Account monthly account fees are waived (up to 12 months), a rebate of the transfer fee of the TD Global Transfer will be credited to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, provided that the New Chequing Account is still open and in good standing. Rebates are only eligible for transfers completed from the New Chequing Account, using the following transfer methods:

Western Union® Money Transfer^SM
Visa Direct
TD Global Bank Transfer

The TD transfer fee is up to $25. The transfer fee amount is dynamic and will vary depending on the amount being sent, the recipient country and the currency of the account funding the transaction.

Foreign exchange and other banks fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp

For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/ . Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

⁸ Amazon.ca Gift Card Offer Terms and Conditions: This offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.

The Amazon.ca gift card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Chequing Account opening and provided all conditions have been met. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened and the number Amazon.ca Gift Cards awarded by any one person. Your TD account must be open, active and in good standing at the time the Amazon.ca Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card.
To earn the limited-time Amazon.ca Gift Card offer, you must complete all three conditions below:

Open a TD Unlimited Chequing Account between June 4, 2024 and September 26, 2024 and complete any two of the following with the New Chequing Account:
1. Set up a Recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before November 30, 2024. The Direct Deposit must occur either weekly, biweekly, monthly or twice per month
2. Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 before November 30, 2024;
3. Set up a Recurring Pre-Authorized Debit, minimum $50 with the first pre-authorized debit posted to the New Chequing Account before November 30, 2024. Pre-authorized Debit must occur either weekly, biweekly, monthly or twice per month
Open a new TD ePremium Savings Account or TD Every Day Savings Account by September 26, 2024 , and complete one of the following with the New Savings Account:
1. Set up a Pre-authorized Transfer Service with your first transaction processed by November 30, 2024. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly or twice per month;
2. Set up Simply Save with your first transaction processed by November 30, 2024.
Apply for and activate a new TD Cash Back Visa* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Cash Back Visa Infinite* Card, TD Low Rate Visa* Card (a new TD Credit Card) by September 26, 2024, and keep the new TD Credit Card open, active and in good standing for 90 days after opening.

Customers who are a Primary Cardholder of a Personal TD Credit Card as of June 3, 2024 will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the past 6 months.

We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

⁹ Limited Time TD Unlimited Chequing Account Offer: The $400 Cash offer is available to individuals qualifying as New to Canada, that are the age of majority at time of account opening in their province or territory who:

Open a TD Unlimited Chequing Account (the New Chequing Account) between June 4, 2024 and September 26, 2024, and
Complete any two of the following with the New Chequing Account:
1. Set up a recurring Direct Deposit from their employer, pension provider or the Government with the first deposit posted to the New Chequing Account before November 30, 2024. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month.
2. Make an Online Bill Payment through EasyWeb or the TD app, minimum $50 before November 30, 2024;
3. Set up a recurring Pre-Authorized Debit, minimum $50 with the first Pre-Authorized Debit posted to the New Chequing Account before November 30, 2024. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-authorized Debit.

Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.

The following are not eligible for the $400 Cash offer:

Customers who already have a TD Chequing account that was closed on or after June 4, 2023; or
Customers who received any Chequing account offers from TD in 2021, 2022, 2023; or
TD staff members or any TD customers who have a joint account with a TD staff member.

For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $400 Cash offer per customer per New Chequing Account.

The $400 cash will be deposited to the new Chequing Account within 12 weeks of all conditions being met, provided that the New Chequing Account is still open, in good standing, with all conditions continuing to be met. The monthly fee for the New Chequing Account cannot be waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $400 is deposited to the New Chequing Account.

We can change, extend, or withdraw the $400 Cash offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.

For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.

¹⁰ TD Savings Deposit Offer Terms and Conditions¹⁰: The $200 is based on a $10,000 balance in the New Savings Account. The cash offer is available to individuals qualifying as New to Canada, that are the age of majority at the time of the New Savings Account opening in their province or territory.

To earn between $50 to $1,000 in cash for the New Savings Account, a New eligible TD Chequing account customer must:
1. Open a TD Unlimited Chequing Account between June 4, 2024, and September 26, 2024, and
2. Open a new TD ePremium Savings Account or TD Every Day Savings Account (the New Savings Account) within 30 days of the New Chequing Account opening,and
3. Deposit or transfer a minimum of $2,500 or more directly into the New Savings account from another financial institution(s) within 30 days of the New Savings Account opening AND maintain the balance for 150 days noting:
4. The balance of the New Savings Account at the end of the 30 days will be the "Qualifying Balance" that will be eligible to earn the cash offer noting:
  1. Transfers originating from existing TD accounts do not qualify for the cash offer;
  2. The cash offer will be awarded based on the cash amount transferred into the New Savings Account for a maximum of $1,000 in total per eligible customer:
    Savings Tiered Offer
    
    Cash Tier Minimum Cash Offer
    $2,500 $50.00
    $5,000 $100.00
    $10,000 $200.00
    $25,000 $500.00
    $50,000 $750.00
    $100,000+ $1000.00

Cash Tier Minimum	Cash Offer
$2,500	$50.00
$5,000	$100.00
$10,000	$200.00
$25,000	$500.00
$50,000	$750.00
$100,000+	$1000.00

If a customer withdraws or transfers out of the New Savings Account at any time after the 30 days, such amounts will be subtracted from the Qualifying Balance. The customer may still be eligible to earn a lower cash offer, provided the customer meets a Cash Tier Minimum for the 150 days.

The up to $1,000 cash offer will be deposited to the New Chequing Account within 12 weeks after all required conditions have been met, provided that the New Chequing Account and New Savings Account is still open, in good standing, with all conditions continuing to be met.

The following are not eligible to earn the up to $1,000 cash offer:

Customers who already had a TD Chequing Account that was closed on or after June 4, 2024
Customers who already have a TD Savings account as of June 4, 2024,
Customers who had a TD Savings account that was closed on or after June 4, 2023,
Customers who received any Savings account offer from TD in 2021, 2022, 2023; or
TD staff members or any TD customers who have a joint account with a TD staff member.

For any New Savings Account that is a joint account, at least one account holder on the New Savings Account must meet the eligibility requirements. Maximum offer of up to $1,000 per New Savings Account. Maximum offer of up to $1,000 per customer. For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the up to $1,000 cash offer at any time.

¹¹ TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer: Account must be approved by September 3, 2024. Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Platinum* Card Account (“Account”) only after the first eligible Purchase is made on the Account. To receive the additional bonus 10,000 Aeroplan points ("Additional Bonus"), you must make $1,000 in net Purchases (including your first purchase, less any returns and credits) on your Account within 90 days of Account opening. Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder ("Primary Cardholder Annual Fee Rebate"), you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders by September 4, 2024. The applicable Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus Aeroplan points and additional bonus Aeroplan points to be credited to your Aeroplan Member account.

Interest rates, fees and features are effective as of June 4, 2024 unless otherwise indicated and are subject to change.

¹² Offer ends September 3, 2024. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:

$124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;
$400: 20,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card
- Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,000 within 90 days of Account opening

Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023.

Applicant must meet all TD credit granting criteria, and other conditions, to be eligible for a TD Credit Card. Only select TD Credit Cards are available as a secured TD Credit Card. For complete details, please visit your local TD branch.

¹³ The TD app and the TD MySpend app are free to download; however standard wireless carrier message and data rates may apply.

¹⁴ TD Direct Investing Offer Terms and Conditions: Earn up to $199.90 in value with TD Direct Investing for an offer of a single Cash and Trade Reward for up to $100 cash as well as up to 10 rebated trades ($9.99 per trade). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by June 4, 2024. This offer begins on June 4, 2024 and ends on September 26, 2024. Please see the complete terms and conditions below for eligibility.

Cash and Trade Reward Details: To qualify for the Cash and Trade Reward, a client must:

Be participating in the New to Canada banking package prior to the completion of a New Account application (as described below). Confirm enrollment through a TD branch or by calling Easyline. Please see the complete terms and conditions for the New to Canada Banking package for eligibility.
Open a NEW TD Direct Investing account ("New Account") by September 26, 2024 using the promo code STARTSAVE. A New Account may not be a TD Easy Trade™ account. The account type opened must be a: Cash (single or joint account holder), Margin (single or joint account holder), TFSA, or RSP account. Locked-in registered, non-personal, joint, RESPs, RIFs and RDSP accounts do not qualify for this offer. Temporary residents are only eligible for a Non-Registered Cash account.
Transfer into the New Account $1,000 or more in investable assets or cash from another Canadian financial institution(s) or a TD Canada Trust account ("Qualifying Assets") by October 26, 2024 noting:
1. The Qualifying Assets must be in the New Account by no later than October 26, 2024.
2. Transfers originating from pre-existing TD Direct Investing, TD Easy Trade™, TD Wealth Financial Planning, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
3. Qualifying 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.
4. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a New Account. USD balances will be converted into CAD to determine eligibility.
5. Where a client opens multiple New Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the New Accounts.
Place commissionable trades in the New Account within 12 months of its opening date. Rebates apply only to trades placed on WebBroker during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. Up to 10 commission rebates ($9.99 per trade) will be applied to Canadian and U.S. equity, ETF, and/or option trades which incur a commission charge. For options trades, only the flat portion of the trade commission will be eligible for rebate, the commission fee per contract is not rebate eligible. Fixed income, mutual funds, bullion, new issues, and trades placed on markets which are not in the U.S. or Canada are excluded from this promotional offer.

Clients requiring assistance to register or otherwise apply for this offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.

Further Terms and Conditions:

Clients must maintain a minimum of $1,000 in the New Account until November 26, 2024 following the transfer(s) of the Qualifying Assets (the "Qualification Period"). If withdrawals, deregistration, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets below $1,000, no reward will be granted. The value of Qualifying Assets will not be reduced if market value drops below threshold due to market events.
Margin debit balances are allowed and will not be counted against the value of assets held on account. To receive commission rebates, a participant must keep their New Account in good standing with TD Direct Investing for 1 year following the account open date. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
Customers who previously opened a TD Direct Investing account under the New to Canada promo will not be eligible.
Employees of TD Bank Group are not eligible for this offer.
This offer may be changed, extended or withdrawn at any time without notice.
This offer cannot be used in conjunction with any other TD Direct Investing offer.
This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
There may be tax implications associated with the commission rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the commission rebate is paid directly to the plan and is not considered a contribution.
A new joint account refers to the cash or margin account that has more than one owner. The award is paid in full into the joint account and does not get allocated to each joint account owners. Joint account holders will share a single promotion only and is not eligible for an additional promotion individually. TD Direct Investing is not responsible for how the payout is distributed amongst joint account owners once the award is paid out.
Up to 10 trade commissions will be rebated.
If trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
Commission fees will be rebated to the New Account which was charged the commission on a first-in first-out basis from the date the account is opened, up to 10 trades.
Terms of fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to the New Account on November 30, 2024 and then rebate eligible commissionable trades to the New Account by every last business day of the month (starting December 31, 2024) for commissionable trades placed in the previous month. If last day of the month is a holiday, commission rebates will be applied within the next two business days.
Terms of Award Payment: The cash award will be paid in CAD to the eligible client account by January 15, 2025. Where the client's Qualifying Assets are transferred to a single account, the Cash Reward will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Reward will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.

¹⁵ You may pay a fee to the ATM provider, and for foreign currency withdrawals at an ATM outside of Canada you will pay the foreign exchange related fee.

¹⁶ Account must be approved by January 6, 2025. Welcome Bonus of 15,152 TD Rewards Points ("Welcome Bonus") will be awarded to the TD Rewards Visa ("Account") only after you make $500 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. Your Account must be in Good Standing at the time the Welcome Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.

¹⁷ 1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption.

These are highlights of the Amazon.ca Shop with Points program for TD Rewards points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions 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 Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.

TD Wealth Private Trust services are offered by The Canada Trust Company.

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

Visa* is a registered trademark of Visa International Service Association, used under license.

* Trademark of Visa Int., used under license.

® Aeroplan is a registered trademark of Aeroplan Inc., used under license.

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The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission.

Trademark of Visa International Service Association and used under license.

® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Banking benefits up to $1,985¹ in value for newcomers to Canada².

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Banking benefits up to $1,9851 in value for newcomers to Canada2.