This Promotion is sponsored by Wealthsimple Technologies Inc. (together with its affiliates  “Wealthsimple”).

Offer Period. From September 12, 2025 at 12:01AM ET to September 30, 2025 at 11:59PM ET (the “Offer Period”).

Eligibility. To be eligible for the Offer, the person must:

• be a new or existing Wealthsimple Self-directed Investing account (a “Self-directed Investing Account”) user, with all Wealthsimple accounts in good standing;
• received an invitation from Wealthsimple or a Wealthsimple Business Development Representative (a “Wealthsimple Representative”) to participate in this Promotion (an “Invitation”); and
• at the time of participation, including when the Reward (as defined below) is awarded;
  • be a legal resident of Canada (excluding Québec);
  • be the age of majority, or older, in their province/territory of residence; and
  • meet the requirements set out below.

(the “Client”).

Qualifying Funding. To participate in the Offer, eligible Clients must initiate a qualified institutional margin transfer(s) totalling $25,000 or more from their existing investment account(s) at a Canadian investment institution other than Wealthsimple to a Wealthsimple Self-Directed Investing Account during the Offer Period (a “Qualifying Funding”). Qualifying Transfers may consist of multiple transfers so long as the total meets the $25,000 minimum requirement. Transfer(s) must be initiated within the Offer Period. For greater certainty, the value of the transaction is taken from the date in which the transfer completes into the Wealthsimple account. Funds must be received by Wealthsimple within ninety (90) days of the end of the Offer Period to be considered as a Qualifying Transfer for the Offer. For greater certainty, Client-initiated deposits, transfers from entities affiliated with Wealthsimple, transfers between the Client’s Wealthsimple accounts, transfers to Wealthsimple Save and Cash accounts, Wealthsimple for Business Group Plan transfers, and other non-institutional transfers, including but not limited to direct deposits, or funds received via electronic transfers will not be considered a Qualifying Transfer.

There are no fees associated with the creation of a Wealthsimple Account. A Client can open a Wealthsimple Account by visiting https://www.wealthsimple.com/en-ca and following the instructions on how to create an account. Further details on transferring an account to Wealthsimple can be found at https://wsim.co/transfer-account.

Transfer Fee from External Institutions. There may be fees charged by an institution outside of Wealthsimple for the transfer of the Client’s account(s) to Wealthsimple. Wealthsimple will automatically reimburse the transfer-out fee per account from an institution if the Client’s Qualifying Transfer is equal to or greater than $25,000 in a single account transfer. For further details and conditions, please visit https://wsim.co/fee-reimbursement.

Offer Details. To participate in this Offer, eligible Clients must be new Self Directed Investing Account Clients, and be invited to participate in this offer. Eligible Clients will be charged a reduced Margin rate of prime minus one percent (P -1%), applicable to both CAD and USD prime rates (the “Margin Offer Rate”) for a period of six (6) months, starting from the date they open the Margin Account.

If the Client makes withdrawals prior to the Offer Period, regardless of whether part or all of those withdrawals are subsequently deposited back for the purpose of benefiting from this Offer, or if Wealthsimple, as determined at its sole discretion, suspects fraudulent behaviour or gaming the system, Wealthsimple reserves the right to include such withdrawals in the calculation of Net Funding Amount, disqualify the Client from participating this Offer and to take any other action it deems appropriate including, but not limited to, removing the awarded Offer from the Wealthsimple account(s), or closing their Wealthsimple account(s). For greater certainty, transfers made between Client’s Wealthsimple account will not affect the Net Funding Amount.

Hold Period. Clients who receive the Offer may not spend or otherwise remove (i) the cumulative balance of the Client’s Wealthsimple account(s) immediately prior to the start date of the Promotion and (ii) the Net Funding Amount from of their Wealthsimple account(s) (“Withdrawal”) for 6 months from the end of the Promotion Period or the Offer may be withdrawn without notice by Wealthsimple. Transfers between the Client’s own Wealthsimple account(s), withdrawals from the Home Buyers’ Plan or First Home Savings Account for the purpose for purchasing a home, withdrawals from Life Income Fund or Registered Retirement Income Fund, and/or negative fluctuations in the Net Funding Amount solely due to market conditions will not counted towards the Withdrawal Limit. Withdrawals on any profits, dividends, interests or benefits otherwise derived from the Net Funding Amount, and withdrawals from a Multiple Holder Account by the secondary account holder will be counted towards the Withdrawal Limit.

Combinability. Unless specified in the terms of other promotions, this Offer cannot be combined with other offers or promotion codes other than the Wealthsimple Referral Promotion, Wealthsimple x Pine Mortgage Cash Back Offer, Direct Deposit Incentive, Super Boost Referral Promotion, Wealthsimple Cash Direct Deposit Incentive Promotion, Wealthsimple’s Direct Deposit iPhone Program, 2025 Credit Card Cash Back Boost Promotion, and Wealthsimple Gold Comeback Offer.

If Client had previously registered for a non-combinable promotion and subsequently registers for this Offer, all deposits and transfers eligible for this Offer will count towards this Offer and not the previously registered non-combinable promotion(s).

If, after receiving a commitment letter pursuant to this Offer, the Client subsequently registers for another non-combinable promotion(s), please refer to the terms for those promotion(s) for details.