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^{Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company, and brokered by nesto Inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #202507230; Mortgage Brokerage Firm Quebec #605058; British Columbia, Alberta, Manitoba, Newfoundland/Labrador, PEI, Yukon, Nunavut, Northwest Territories.}

^{*In Ontario, a mortgage agent, and in New Brunswick and Nova Scotia, a mortgage broker or a mortgage associate.}

^{*In Quebec, a mutual fund representative.}

^{Mortgage advisors are licensed professionals and equivalent to the following titles per province: Sub Mortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta, Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent/Mortgage Broker in Ontario, Mortgage Broker in Quebec, Mortgage Associate/Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia, or Mortgage Broker in Newfoundland & Labrador.}

^{When you switch your Eligible Mortgage (as defined below) to Investors Group Trust Co. Ltd. (“IG”), you may be eligible for up to $2,500 CAD cash back on Eligible Costs (as defined below), subject to the following Terms and Conditions:}

^{Eligible Mortgage:}

^{An Eligible Mortgage is subject to IG’s standard credit approval processes. In addition to approval based on standard lending criteria, you must transfer an existing mortgage to IG and it must satisfy all of the following criteria:}

• ^{Minimum mortgage principal loan amount of $150,000 CAD (new funds not required);}
• ^{Must be a 3 Year Fixed, 4 Year Fixed, or 5 Year Fixed mortgage; OR 5 Year Adjustable-Rate Adjustable Payment mortgage;}
• ^{Must be a first ranking residential mortgage;}
• ^{Mortgage can include a HELOC, but transfer of a standalone HELOC does not qualify as an Eligible Mortgage; and}
• ^{Mortgage must be for the same property.}

^{* New mortgages, renewals and IG mortgage refinances are not eligible for the Offer.}

^{Eligible Costs:}

• ^{The amount of Eligible Costs you may be reimbursed for depends on the province in which you reside, and your actual appraisal, title insurance and discharge costs.}
• ^{Below are the maximum reimbursement amounts for each component of the Offer that you may receive if you satisfy the Terms and Conditions:}
  • ^{Appraisal Costs: Up to $500 CAD for obtaining an appraisal of the property subject to the Eligible Mortgage by a licensed appraiser.}
  • ^{FCT Insurance Costs (which includes some legal costs): Up to $950 CAD for costs related to obtaining title insurance with FCT Insurance Company Ltd. If there is a HELOC in addition to the Eligible Mortgage, up to $715 CAD for costs related to obtaining title insurance with FCT Insurance Company Ltd.}
  • ^{Discharge Costs: Up to $300 CAD. There is no Cash Back for discharge costs in Alberta and Quebec.}

^{*The Offer does not include any applicable prepayment charges (also known as breakage fees) that you may be required to pay to transfer your mortgage to IG.}

^{Other Terms:}

• ^{You must maintain your mortgage for the duration of the term you are approved for, otherwise, you will be required to reimburse a portion of the Eligible Costs received, in proportion to the term remaining.}
• ^{Limit 1 Offer per individual Eligible Mortgage.}
• ^{The Offer may be modified, extended, or withdrawn without prior notice at any time.}
• ^{The Offer may not be combined or used with any other IG offer, promotion, or benefit, other than the ones mentioned here, and cannot be applied retroactively.}
• ^{There may be tax implications to the Offer. If you require tax advice, please contact your personal tax advisor.}