TD Benifit

If you select a registered account:
• your contributions are made with ‘before-tax’ dollars each pay.
• TD’s contributions will go into a Deferred Profit Sharing Plan or DPSP and you will receive a tax
receipt showing TD’s contributions as part of your Pension Adjustment. This amount will reduce
your RSP contribution room for the next year.
If you direct either your own or TD’s contributions into a registered account, you need to ensure you
have available RSP contribution room.
If you select a non registered account…
• your contributions are made with ‘after tax’ dollars.
• TD’s contributions are considered taxable income and you will receive a T4PS slip at tax time.
The Employee Ownership Plan provides flexibility to make changes each calendar quarter.

If you withdraw from an RSP account,
 The amount withdrawn is taxable.
 You’ll receive a tax receipt for your withdrawal amount and you’ll need to report this as
taxable income for the year.
If you withdraw from a non-registered account no tax slip is issued.
• You are responsible for calculating and reporting any capital gains or losses on your TD
Bank shares on your income tax return.
• Please refer to HR Self Service for your annual statements, transaction history and your
withdrawal statement for the information you need to calculate and report you capital gains
or losses.

If you leave TD and…
have been employed by TD for 2 continuous years, you’re entitled
to your total Employee Ownership Plan balance
 have not been employed by TD for 2 continuous years, you can
withdraw your contributions only. TD’s contributions are forfeited.
 If you return to TD within 3 months, you can participate in the
Employee Ownership Plan immediately.