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2026 Investment Transfer Bonus Offer – Terms and Conditions

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Version Date: January 1, 2026

The Investment Transfer Bonus Program is offered by Coast Capital Savings Federal Credit Union and its affiliates (the “Investment Transfer Bonus Offer”).

Summary of the Investment Transfer Bonus Offer

If a member accepts the Investment Transfer Bonus Offer on or before March 31, 2026, and otherwise during the Promotion Period and transfers $50,000 or more of new registered investments into one or more registered investment accounts (i.e., RRSP, RRIF, TFSA, FHSA, RDSP, and RESP), sold through a Worldsource Financial Management Inc. (“WFM”)* Mutual Fund Advisor or Worldsource Wealth Management Inc. (“WWM")† Investment Advisor at Coast Capital (“Investment Account”), and meets the Eligibility Requirements and the Qualifying Criteria described below, the member will automatically receive the Investment Transfer Bonus (as calculated in Section 4 below) deposited into their Coast Capital deposit account. Worldsource Financial Management Inc. is a mutual fund dealer. Worldsource Wealth Management Inc. is a dual-registered firm, both as a mutual fund dealer and an investment dealer.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE YOU ACCEPT THE INVESTMENT TRANSFER BONUS OFFER AS YOU WILL BE BOUND BY THESE TERMS AND CONDITIONS.

In these Terms and Conditions:

  1. Coast Capital, we, our or us each mean Coast Capital Savings Federal Credit Union and its affiliates including Coast Capital Financial Management Ltd. and Coast Capital Wealth Management Ltd.
  2. You, your or yourself each mean you, our member; and
  3. We define some other terms throughout these Terms and Conditions.

Section 1: Promotion Period

The Investment Transfer Bonus Offer runs from January 1, 2026, at 12:01AM PST to Mach 31, 2026, at 11:59 PM PST, unless terminated at an earlier date by Coast Capital, at its sole discretion (the “Promotion Period”).

Section 2: Eligibility Requirements

To be eligible for the Investment Transfer Bonus Offer, you must satisfy the following requirements:

  1. If you are an individual, you must be of the age of majority, and you must be a resident of British Columbia, Alberta or Ontario.
  2. If you are a corporation, partnership, limited partnership, or limited liability partnership, you must be carrying on business in British Columbia, Alberta or Ontario and all individuals who are partners must be of the age of majority.
  3. If you are not already a Coast Capital member, then you must become a new member during the Promotion Period.
  4. If you do not already have a deposit account with Coast Capital, then you must open one during the Promotion Period.
  5. If you do not already have an Investment Account at Coast Capital, then you must open an Investment Account during the Promotion Period. You must do so at one of our branches or through our Advice Center.

Coast Capital is not obligated to open a membership or a deposit account and WFM or WWM is not obligated to open a new Investment Account for you. If, in its discretion, Coast Capital does not open a membership or a deposit account, or WFM or WWM does not open a new Investment Account for you, then you will not be eligible for the Investment Transfer Bonus Offer.

Section 3: Qualifying Criteria.

To qualify for the Investment Transfer Bonus Offer, you must satisfy all the following conditions:

  1. Accepting Offer: you must accept to participate in this Investment Transfer Bonus Offer on or before March 31, 2026. For clarity, if you do not accept this Investment Transfer Bonus Offer on or before March 31, 2026, you will not qualify to participate in the Investment Transfer Bonus Offer.
  2. Qualifying Investments: You must transfer your investments from your registered account(s) (RRSP, RRIF, TFSA, FHSA, RDSP, or RESP) from another financial institution into one or more Investment Accounts, totalling not less than $50,000. To qualify, the investment must be made with funds transferred from your registered account(s) at another financial institution by completing a transfer using the CRA T2033 form. Transferred funds must be used to purchases qualifying investments in an Investment Account include securities, mutual funds and Exchange Traded Funds (ETFs). For clarity, the following do not qualify for the Investment Transfer Bonus:
    • Investment transfers made with funds that were first deposited with Coast Capital prior to the Promotion Period; or
    • investment transfers made before or after the Promotion Period.
  3. Transfer Deadline: All CRA T2033 transfer forms must be signed by March 31st 2026 and the funds transferred and qualifying investments purchased by June 1st 2026.
  4. Holding Period: New investments must remain in one or more Investment Accounts until the November 2, 2026 calculation date. If you withdraw any new investments before November 2, 2026, your bonus will be calculated based on the remaining new investment(s) in your Investment Account.
  5. Multiple Investments: If you make multiple new investments on different days with varying amounts above or below $50,000, a first-in-first-out rule will apply. For example, if you have $10,000 in your Investment Account, invest an additional $50,000 during the Promotion Period, and withdraw $30,000 thirty days after the Promotion Period, the amount remaining for calculation purposes will be 20,000.
  6. Transfers: You are permitted to transfer your new investments from one Investment Account to another Investment Account.

Section 4: Payment of the Investment Transfer Bonus

  1. The Investment Transfer Bonus will be calculated by adding the total value of the transferred new investments in all of your Investment Accounts made during the Promotion Period as follows:
    New Investments Investment Transfer Bonus

    $50,000 - $99,999.99

    $500

    $100,000.00 - $249,999.99

    $1,000

    $250,000 - $499,999.99

    $2,000

    $500,000 - $749,999.99

    $3,000

    $750,000 +

    $5,000

    The maximum Investment Transfer Bonus is $5,000 for new investments of $750,000 or more. For the calculation of the amount of new investments, investments denominated in U.S. dollars will be converted to Canadian dollars, at a foreign exchange rate determined by Coast Capital, in its sole discretion, at the time of deposit of the Investment Transfer Bonus to your Coast Capital deposit account. The same foreign exchange rate will apply throughout the Promotion Period.

    The Investment Transfer Bonus will be calculated on November 2, 2026, and deposited to your Coast Capital deposit account via electronic funds transfer on November 16, 2026.

  2. Each participant is limited to one Investment Transfer Bonus under this Investment Transfer Bonus Offer. This Investment Transfer Bonus is not transferrable or assignable. Joint Accounts and Joint Memberships are only eligible for a single Investment Transfer Bonus.

Section 5: Investment Transfer Bonus Offer Example

The following example is for illustrative purposes only.

Before the Promotion Period which starts on January 1, 2026:

John is a member of Coast Capital and has:

  • $10,000 in a Coast Capital savings account,
  • $275,000 registered account at another financial institution, and
  • $25,000 invested in an Investment Account.

During the Promotion Period:

On January 2, 2026, John invests into a Sustainable Funds Mutual Fund under Investment Account:

  • $275,000 from his registered account at the other financial institution, and
  • $5,000 from his Coast Capital savings account.

After the Promotion Period:

On August 1, 2026, John withdraws $25,000 from his Investment Account.

Calculation of the Investment Transfer Bonus on November 2, 2026:

John’s new investments total $250,000 which represent the $275,000 that was transferred from another financial institution minus the $25,000 he withdrew prior to November 2, 2026. Note that the following funds do not qualify as new investments: (a) the $25,000 John invested in the Investment Account before the Promotion Period, and (b) the $5,000 that John invested using funds he already had in his Coast Capital savings account before the Promotion Period. John’s eligible new investments are between $250,000.00 to $499,999.99, therefore, the Investment Transfer Bonus Offer is $2,000. John will benefit from a $2,000.00 bonus paid to his Coast Capital deposit account.

Section 6: Privacy

Coast Capital will need to collect personal information from you to administer the Investment Transfer Bonus Offer and to determine your eligibility to receive an Investment Transfer Bonus. This may include the information you submit as part of Investment Transfer Bonus Offer, information required to open a membership (if you did not already have one), information required to open a new Investment Account (if you did not already have one), information about your Investment Account and your investments, and other information consisting of, but not limited to your contact information, credit information, banking information, employment details and other information shared with Coast Capital as part of the normal course of operations related to the activities above.

By participating in the Investment Transfer Bonus Offer, you consent to Coast Capital’s collection, use and disclosure of your personal information for the administration of the Investment Transfer Bonus Offer, and otherwise in accordance with Coast Capital’s Privacy Policy.

You also consent to Coast Capital using aggregated and anonymized information from your personal information to generate reports regarding the Investment Transfer Bonus Offer, which reports Coast Capital may disclose to other persons provided that no identifying information is included in such reports.

Section 7: General Terms and Conditions

  1. Coast Capital will not be liable to any participant or third party for any damage or loss arising from, connected with, or relating to the Investment Transfer Bonus Offer, regardless of the cause or any fault by Coast Capital or any person for whom Coast Capital is responsible, and notwithstanding that any of those parties may have been advised of the possibility of the loss or damage being incurred.
  2. The Investment Transfer Bonus Offer is subject to all applicable laws and regulations and is void where prohibited by law. If any provision of these Terms and Conditions is found by any court of competent jurisdiction to be unenforceable, all other provisions will remain in full force and effect. These Terms and Conditions are governed solely by the laws of British Columbia, Canada and the federal laws of Canada applicable in British Columbia, excluding any rules of private international law or the conflict of laws that would lead to the application of any other laws.
  3. Any dispute between Coast Capital and you or any third party arising from, connected with or relating to the Investment Transfer Bonus Offer, participation in the Investment Transfer Bonus Offer, the use or misuse of personal information provided in connection with the Investment Transfer Bonus Offer, or any related matters (“Disputes”) will be resolved before the courts of British Columbia sitting in the City of Vancouver, British Columbia, Canada, and you hereby irrevocably attorn to the exclusive jurisdiction of those courts in respect of all Disputes. Proceedings regarding a Dispute must be commenced within one year after the event giving rise to the Dispute occurred, after which time any and all proceedings regarding the Dispute are barred.
  4. To the fullest extent permissible by applicable law, by participating in the Investment Transfer Bonus Offer you agree to indemnify and hold Coast Capital harmless against any and all third-party claims arising out of or in connection with any breach by you of these Terms and Conditions or your participation in the Investment Transfer Bonus Offer.
  5. Coast Capital is not obligated to pay any Investment Transfer Bonus to any participant, if Coast Capital is of the opinion, in its sole discretion, that the participant, or any third party connected directly or indirectly in any way with the participant, is abusing or attempting to abuse the Investment Transfer Bonus Offer or is otherwise not acting in good faith in its dealings with Coast Capital.
  6. Coast Capital may, in its discretion, withdraw, cancel, terminate, modify, or suspend all or any part of the Investment Transfer Bonus Offer from time to time. Any such withdrawal, cancelation, termination, modification, or suspension will not affect you if you have met the Eligibility Requirements and Qualifying Criteria prior to such withdrawal, cancelation, termination, modification, or suspension.
  7. Coast Capital may, in its discretion, change, supplement, or amend these Terms and Conditions from time to time by posting amended Terms and Conditions. Any such change, supplementation, or amendment will not affect you if you have met the Eligibility Requirements and Qualifying Criteria prior to such change, supplementation or amendment.
  8. Any reference to funds, moneys, or currency in these Terms and Conditions will be in Canadian dollars unless explicitly stated otherwise.
  9. Coast Capital may, in its discretion, at any time, limit the number or aggregate amount of Investment Transfer Bonuses offered.
  10. Decisions of Coast Capital regarding any and all aspects of the Investment Transfer Bonus Offer are final and binding on all participants.

*Worldsource Financial Management Inc. is a Mutual Fund Dealer

†Worldsource Wealth Management Inc. is a dual-registered firm, both as a mutual fund dealer and an investment dealer