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Can I access the funds in my GIC?

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Typically, you can only access your GIC when it matures. You can redeem registered GICs before maturity in a few situations:

  • To participate in the Home Buyers' Plan
  • To participate in the Lifelong Learning Plan
  • Due to extreme financial hardship (subject to approval)
† Simplii Financial personal banking services are provided by the direct banking division of CIBC. Banking services not available in Quebec.
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