Important notice regarding your Retirement Income Fundⁱ(RIF)

March 23, 2009

Please be advised that due to a recent change introduced in the 2009 federal budget, the minimum amount that must be withdrawn from a Retirement Income Fund (RIF) was reduced by 25% for 2008.  As a result, you may re-contribute up to 25% of your annual minimum payment received for 2008 no later than April 14, 2009.

• If you decide to keep the 2008 minimum amount received or if you have already acted upon this change, no action is required on your part.


• If you have already filed your 2008 T1 return without having re-contributed up to 25% of your annual minimum payment for 2008, and you wish to make a recontribution prior to April 14, 2009, you may file Form T1-ADJ to adjust your 2008 tax return.
• If you have any questions or if you would like to make a re-contribution, please don’t hesitate to call or visit your local TD Canada Trust branch or contact your TD Waterhouse representative.

  
  ⁱ Retirement Income Fund (RIF), Life Income Fund (LIF), Locked-in Retirement Income Fund (LRIF), or Prescribed Retirement Income Fund (PRIF).