^‡‡ Terms and Conditions

1. The Tangerine Investment 2-3% Plus $200 Bonus Offer (the “Offer”) is available between July 8, 2026 and October 30, 2026 (the “Offer Period”) to new and existing Tangerine Investment Funds Limited (“Tangerine Investments”) clients.

2. Subject to the conditions below, clients are eligible for either a 2% bonus of up to a maximum of $20,000 per Eligible Account (the “2% Bonus”) or a 3% bonus of up to a maximum of $30,000 (the “3% Bonus”) on all Eligible Contributions or Transfers with a Net Investment Amount of $25,000 or more to new or existing Eligible Account(s) at Tangerine Investments.

3. Definitions:

a. “Eligible Contributions or Transfers”: New contributions and/or transfers to your new or existing Eligible Account(s) at Tangerine Investments, provided that:

i. Eligible Contributions to an Eligible Non-Registered Account are funded from a non-registered account at Tangerine Bank (e.g. Tangerine Chequing to Eligible Non-Registered Account; Tangerine Savings to Eligible Non-Registered Account etc.) and/or from a non-registered account at a Canadian financial institution other than Tangerine Bank; and

ii. Eligible Transfers are made from a registered account of the same registered account type at Tangerine Bank (e.g. Tangerine RSP Savings to Eligible RSP; Tangerine TFSA Savings to Eligible TFSA etc.) and/or from a Canadian financial institution other than Tangerine Bank (e.g. TFSA to Eligible TFSA; RRSP to Eligible RSP etc.).

b. “Net Investment Amount”: The combined sum of all Eligible Contributions or Transfers initiated within the Offer Period and successfully funded in your Eligible Account(s) by December 31, 2026, minus any transfers out or redemptions from the Eligible Account(s) within the same period. For the purposes of calculating the Net Investment Amount, the market value upon the receipt of each Eligible Contribution or Transfer will be used to determine eligibility.

c. “Eligible Accounts”: RSP Investment Fund Accounts (including Spousal RSPs) (each an “Eligible RSP”), LIRA Investment Fund Accounts (each an “Eligible LIRA”), Tax-Free Investment Fund Accounts (each an “Eligible TFSA”), Non-Registered Investment Fund Accounts (including Joint -Accounts) (each an “Eligible Non-Registered Account”), RIF Investment Fund Accounts (including Spousal RIFs) (each an “Eligible RIF”) and LIF Investment Fund Accounts (each an “Eligible LIF”) held with Tangerine Investments.

d. “Eligible Portfolios”: Tangerine Balanced Income Portfolio, Tangerine Balanced Portfolio, Tangerine Balanced Growth Portfolio, Tangerine Dividend Portfolio, Tangerine Equity Growth Portfolio, Tangerine Balanced Income ETF Portfolio, Tangerine Balanced ETF Portfolio, Tangerine Balanced Growth ETF Portfolio, Tangerine Equity Growth ETF Portfolio, Tangerine Balanced Income SRI Portfolio, Tangerine Balanced SRI Portfolio, Tangerine Balanced Growth SRI Portfolio, Tangerine Equity Growth SRI Portfolio, and Tangerine Money Market Funds.

e. “Total Portfolio Amount”: The Net Investment Amount plus any existing balances held in your Eligible Account(s) at the start of the Offer Period.

f. “Referrer”: An existing client of Tangerine Investments who refers a friend or family member to sign up as a Tangerine Investments client by providing their Orange Key^® on the designated referral form. (an Orange Key is a unique Refer a Friend number assigned to each Tangerine client)

g. “Referral”: A new client who has been referred by a Referrer to sign up as a Tangerine Investments client and who doesn’t have an account with Tangerine Investments at the start of the Offer Period. Referrers may complete a referral form up to 10 times, for a maximum of 10 Referrals per Referrer. A Referrer can only refer a Referral who has not already been referred by another Referrer.

4. To Qualify for the 2% Bonus: 

a. During the Offer Period, initiate one or more Eligible Contributions or Transfers with a Net Investment Amount of $25,000 or more in your new or existing Eligible Account(s).

b. For example, if you successfully funded $500,000 into your new or existing Eligible RSP Account(s) before December 31, 2026, and redeemed or transferred-out $25,000 within the same period, your Bonus will be based on the remaining Net Investment Amount of $475,000 ($500,000 - $25,000).

c. Maintain your Total Portfolio Amount until January 19, 2027.

5. To Qualify for the 3% Bonus:

a. All 2% Bonus requirements in section 4 above must be met. 

b. During the Offer Period, The Referrer must use the link on the offer landing page or in the email received directly from Tangerine Investments to complete and submit a referral form, including the required attestation outlined within. All of the applicable Referral’s information must be provided as indicated on the form. 

c. During the Offer Period, a Referral must open at least one Eligible Account and initiate one or more Eligible Contributions or Transfers with a Net Investment Amount of $25,000 or more in their new Eligible Account(s).

d. The Referral must maintain their Total Portfolio Amount until January 19, 2027.

e. For greater certainty, the 3% Bonus will only be paid on the first Referral completing the steps in c. and d., and investments from more than one Referral cannot be combined to reach the Net Investment Amount.

6. How the 2% Bonus will be Calculated and Paid Out:

a. The 2% Bonus will be calculated as 2% of the Net Investment Amount held in your Eligible Account(s) as of January 19, 2027, up to a maximum bonus of $20,000 per Eligible Account. 

b. The Bonus will be paid in equal monthly payments over thirty (30) months (the “2% Bonus Payout Period”) to your Eligible Account(s) in the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts. In the case of Eligible LIRAs, Eligible RIFs, and Eligible LIFs, you must have an open Tangerine Chequing or Savings Account, in good standing, into which the 2% Bonus will be deposited. Best efforts will be made to process payments within approximately five (5) business days following the 19th of each month, commencing January 19, 2027.

Using the example above, if your Net Investment Amount is $500,000, and you have maintained your Total Portfolio Amount until January 19, 2027, you will be eligible for a $10,000 2% Bonus, paid out at $333.33 per month ($500,000 x 2% / 30).

c. If during the 2% Bonus Payout Period you redeem or transfer out funds from your Eligible Account(s), reducing your Total Portfolio Amount, future monthly 2% Bonus payments will be reduced proportionally based on the amount redeemed or transferred out. A snapshot of the balances of your Eligible Account(s) will be taken on the 15th of every month to determine any adjustments to future monthly 2% Bonus payments. Once monthly 2% Bonus payments have been adjusted, subsequent contributions or transfers into your Eligible Account(s) will not increase the remaining 2% Bonus payments. Previous installments will not be clawed back. For example:

If you successfully funded a Net Investment Amount of $500,000 into your Eligible RSP during the Offer Period, you qualify for a $10,000 2% Bonus, paid out in monthly installments of $333.33. If you redeem or transfer out $25,000 during the 2% Bonus Payout Period, your future monthly 2% Bonus payments will be adjusted to $316.67 ($475,000 x 2% / 30). Please note that subsequent purchases or sheltered transfers in during the 2% Bonus Payout Period would not increase this reduced 2% Bonus payout.

d. In the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, the monthly 2% Bonus payments will be issued as additional units of the Eligible Portfolio(s) that you own as of the date the 2% Bonus payments are processed. In the case of Eligible LIRAs, Eligible RIFs, and Eligible LIFs, the monthly 2% Bonus will be made in cash and deposited directly into your Tangerine Chequing or Savings Account. It may take up to 3 business days after the 2% Bonus payment for the transaction to be reflected in your account.

e. If you make Eligible Contributions or Transfers to more than one Eligible Account of the same account type (e.g. more than one Eligible RSP), in the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, your 2% Bonus payment will be made to the Eligible Account with the lowest account number. 

7. How the 3% Bonus will be Calculated and Paid Out:

a. The 3% Bonus will be calculated as 3% of the Net Investment Amount held in your Eligible Account(s) as of January 19, 2027, up to a maximum bonus of $30,000 per Eligible Account. 

b. The Bonus will be paid in equal monthly payments over forty-five (45) months (the “3% Bonus Payout Period”). In the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, the first 2% will be paid to your Eligible Account(s) as additional units of the Eligible Portfolio(s) that you own as of the date the 3% Bonus payments are processed. The remaining 1% will be paid in cash and deposited into your Tangerine Chequing or Savings Account, which must be open and in good standing at the time of payment.

c. In the case of Eligible LIRAs, Eligible RIFs, and Eligible LIFs, the 3% Bonus will be deposited in cash into your Tangerine Chequing or Savings Account, which must be open and in good standing at the time of payment.

d. Best efforts will be made to process payments within approximately five (5) business days following the 19th of each month, commencing January 19, 2027.

Using the example above, if your Net Investment Amount is $500,000, and you have maintained your Total Portfolio Amount until January 19, 2027, you will be eligible for a $15,000 3% Bonus, paid out at $333.33 per month ($500,000 x 3% / 45), in the manner noted in b. and c., as applicable.

e. If during the 3% Bonus Payout Period you redeem or transfer out funds from your Eligible Account(s), reducing your Total Portfolio Amount, future monthly 3% Bonus payments will be reduced proportionally based on the amount redeemed or transferred out. A snapshot of the balances of your Eligible Account(s) will be taken on the 15th of every month to determine any adjustments to future monthly 3% Bonus payments. Once monthly 3% Bonus payments have been adjusted, subsequent contributions or transfers into your Eligible Account(s) will not increase the remaining 3% Bonus payments. Previous installments will not be clawed back. For example:

If you successfully funded a Net Investment Amount of $500,000 into your Eligible RSP during the Offer Period, you qualify for a $15,000 3% Bonus, paid out in monthly installments of $333.33. If you redeem or transfer out $25,000 during the 3% Bonus Payout Period, your future monthly 3% Bonus payments will be adjusted to $316.67 ($475,000 x 3% / 45). Please note that subsequent purchases or sheltered transfers in during the 3% Bonus Payout Period would not increase this reduced 3% Bonus payout.

f. It may take up to 3 business days after the 3% Bonus payment for the transaction to be reflected in your account.

g. If you make Eligible Contributions or Transfers to more than one Eligible Account of the same account type (e.g. more than one Eligible RSP), in the case of Eligible RSPs, Eligible TFSAs, and Eligible Non-Registered Accounts, payments will be made to the Eligible Account with the lowest account number.

8. Multiple Referral $200 Bonus:

a. A Referrer who successfully refers more than one (1) Referral as outlined in section 5 will qualify for a $200 Bonus for each additional Referral (up to a maximum of 9 additional Referrals).

b. The $200 Bonus will be paid on January 19, 2027 in cash and deposited directly into your Tangerine Chequing or Savings Account, which must be open and in good standing at the time of payment. 

c. It may take up to 3 business days after the $200 Bonus payment for the transaction to be reflected in your account.

9. General Terms:

a. Multiple Eligible Contributions or Transfers may be made to reach the minimum $25,000 Net Investment Amount. Eligible Contributions and Transfers across multiple account types cannot be aggregated to reach the $25,000 minimum.

b. Each client is eligible for only one (1) 2% Bonus or 3% Bonus per Eligible Account type. The maximum 2% Bonus amount is $20,000 for Eligible RSP(s), $20,000 for Eligible LIRA(s), $20,000 for Eligible TFSA(s), $20,000 for Eligible RIF(s), $20,000 for Eligible LIF(s), and $20,000 for Eligible Non-Registered Account(s).The maximum 3% Bonus amount is $30,000 for Eligible RSP(s), $30,000 for Eligible LIRA(s), $30,000 for Eligible TFSA(s), $30,000 for Eligible RIF(s), $30,000 for Eligible LIF(s), and $30,000 for Eligible Non-Registered Account(s).

c. Funds transferred in from another Canadian financial institution must be processed through a transfer form and the form must be initiated and submitted online or with a Tangerine Advisor and received by Tangerine Investments by October 30, 2026. The other financial institution must deliver the transferred funds to Tangerine Investments by December 31, 2026. 

d. Your financial institution may charge fees for transferring your registered account(s) to Tangerine Investments. As part of this Offer, Tangerine Investments will reimburse administrative transfer fees up to a maximum of $150. To receive the reimbursement, you must submit a statement from your financial institution displaying the incurred transfer fees within 60 days of the Offer Period ending by emailing tangerineinvestmentfunds@tangerine.ca. The reimbursement will be issued as additional units of the Eligible Portfolio(s) that you own.

e. For the 2% Bonus, 3% Bonus and $200 Bonuses to be paid, the applicable Eligible Account must be open and in good standing at the time each payment is made. For purposes of this Offer, an Eligible Account is not in ‘good standing’ if the account holder is in breach of the Tangerine Investment Funds Account Terms. 

f. Clients are responsible to confirm their contribution limits prior to making any contribution to their Eligible Account(s). The 2%, 3% and the One-time Multiple Referral $200 Bonuses will not be considered contributions and therefore will not impact a client’s applicable registered plan contribution limit. Tangerine Investments is not responsible for any contribution over a client’s limit in connection with this Offer. Clients should consult with a tax advisor to discuss any tax implications in connection with this offer and clients are responsible for any required tax reporting.

g. The Offer is non-transferrable, non-saleable, may not be exchanged for cash and may not be duplicated. The Offer may be changed, cancelled, or extended at any time without prior notice.

h. Tangerine Investments reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Offer to any person that it finds, suspects or believes to be manipulating or gaming the system, or otherwise abusing the process, fairness, or integrity of the Offer and reserve the right to recover the Bonus payments previously made.

i. You agree that you have read and understood these Terms and Conditions and agree to be bound by them. Any notice offered by us with respect to this Offer is deemed to be provided on the day it’s posted on our website.