Manulife Bank of Canada

1. Manulife Bank of Canada

2. Get ahead in any market! Agenda Debbie Robillard Regional AVP � Manulife Bank of Canada Stacie Joosten, Manulife One Sales What If ? Concept Welcome INTRODUCTIONS OF MLI PEOPLE IN THE ROOM Thank you for attending our Bank Day. We have an interesting session planned for you that we hope you find useful We will keep this a lively session. REVIEW AGENDA Concepts Manulife One � �What If�Welcome INTRODUCTIONS OF MLI PEOPLE IN THE ROOM Thank you for attending our Bank Day. We have an interesting session planned for you that we hope you find useful We will keep this a lively session. REVIEW AGENDA Concepts Manulife One � �What If�

3. Facts About Manulife Bank � Member of Canada Deposit Insurance Corporation (CDIC) � $ 12.9 billion in high-quality assets, primarily Canadian residential mortgages (Dec 31, 2008) � No investments in U.S. banks, insurance or brokerage firms � No exposure to asset-backed commercial paper and/or the sub-prime mortgage market � Independently rated by Standard & Poor�s � Short Term A-1+ , Long Term AA

4. Sales Ideas for Retirement Planning Notes: Audience is advisors Please do not distribute hard copies of this (or any) presentation to the audience. Instead, use advisor or client brochures as leave-behinds. The Manulife One base rate may need to be updated on slides 12, 14, 21, 30, 36 A current version of this presentation is available on BC Source.Notes: Audience is advisors Please do not distribute hard copies of this (or any) presentation to the audience. Instead, use advisor or client brochures as leave-behinds. The Manulife One base rate may need to be updated on slides 12, 14, 21, 30, 36 A current version of this presentation is available on BC Source.

5. Retirement planning The concern of most people heading into retirement or those already retired can be summarized as� What if�? We keep hearing about the demographic shift going on in Canada � how the population is aging. But just because clients are approaching or are in the stage of their lives where their mortgage has been repaid doesn�t mean that Manulife One can�t help them. <Read slide>We keep hearing about the demographic shift going on in Canada � how the population is aging. But just because clients are approaching or are in the stage of their lives where their mortgage has been repaid doesn�t mean that Manulife One can�t help them. <Read slide>

6. Retirement planning: What if�? The markets drop? The roof starts to leak? The furnace needs replacing? The car doesn�t last? One of us gets sick? We can�t qualify for travel insurance? We want to keep the recreational property? We have an amazing travel opportunity? Our assets deplete too quickly? The kids (grandkids) need money? <Read slide><Read slide>

7. Introducing The �What If� Account <Read slide> Some clients may address this concern by keeping a large cash reserve. However this typically comes at the expense of growth. With Manulife One, clients retain access to their home equity if a need ever arises.<Read slide> Some clients may address this concern by keeping a large cash reserve. However this typically comes at the expense of growth. With Manulife One, clients retain access to their home equity if a need ever arises.

8. What do you do� � for your clients that won�t retire wealthy? Government plans $300,000 in RRSPs A little cash, but $400,000 home, free and clear

9. $1,000/month tax free @ 6% (sample)

10. Retirement Planning: Reverse mortgages? Some clients may have heard about and be considering another product type that allows them to access their home equity in retirement � the reverse mortgage. This product makes sense if the client has no hope of making interest payments or repaying the loan, but it comes at a steep cost, in interest and in flexibility: <Read slide>Some clients may have heard about and be considering another product type that allows them to access their home equity in retirement � the reverse mortgage. This product makes sense if the client has no hope of making interest payments or repaying the loan, but it comes at a steep cost, in interest and in flexibility: <Read slide>

11. Retirement planning: start now Q: When is the best time to get credit? A: When you don�t need it! Every client in their 50�s that owns a home should consider Manulife ONE now to provide greater flexibility in retirement If they�re already retired, they could still access 50% of their home equity <Read slide><Read slide>

12. Summary Manulife ONE is the �what if� solution for any client Simple referral to a Banking Consultant $400 up front referral fee + 10 bps trailer!! Visible on BankLink @ Repsource Great looking client statements!

13. FEES ($2,500 refundable stand-by + own legals) FEES ($2,500 refundable stand-by + own legals)

14. Banking & Retirement

15. PONE: Converted residential properties $300,000 to $2,000,000 Fees Member of a profession Professional & Commercial Manulife One What are some high level details of this product?? CLICK 2X and refer to slide FEES ($2,500 refundable stand-by + own legals) What are some high level details of this product?? CLICK 2X and refer to slide FEES ($2,500 refundable stand-by + own legals)

16. LTV 65% Rate: P+1.5% Must have an existing relationship with Manulife 50% space occupied of property occupied by owner $400 referral fee + 10BPS trailer Professional & Commercial Manulife One What cities are eligible in AB? NEXT SLIDEWhat cities are eligible in AB? NEXT SLIDE

17. Eligible Alberta cities Calgary Edmonton Fort McMurray Grand Prairie Lethbridge Medicine Hat Red Deer So as a recap why the CONE and PONE? So as a recap why the CONE and PONE?

18. Why Professional & Commercial M1? Manage business finances more efficiently Flexibility Pay down mortgage faster or access equity Save interest costs Rental or revenue directly deposited to mortgage Easy access (Internet & telephone banking, cheques) Comprehensive monthly statement WHY THE PONE & CONE for you and your clients? CLICK FOR FLY IN�s AND SPEAK TO THEM. As a recap it provides: all the benefits of residential manulife one and the fact that self employed individuals really like less bank intervention and greater autonomy Discuss process, 9 point test, fax referral form, if approved $400 referal fee + 10BPS trailer 2 MORE TOOLS FOR YOUR FINANCIAL TOOL KIT!! -Let�s move to a couple of sales strategies to help you grow your book of businessWHY THE PONE & CONE for you and your clients? CLICK FOR FLY IN�s AND SPEAK TO THEM. As a recap it provides: all the benefits of residential manulife one and the fact that self employed individuals really like less bank intervention and greater autonomy Discuss process, 9 point test, fax referral form, if approved $400 referal fee + 10BPS trailer 2 MORE TOOLS FOR YOUR FINANCIAL TOOL KIT!! -Let�s move to a couple of sales strategies to help you grow your book of business

19. The Fast-Forward Savings Plan

20. Canadian savings plans Several choices to help investors reach their goals: RRSPs for retirement RESPs for education expenses RRIFs for retirement income But, for some investors, these plans don�t go far enough. Some savings plans include RRSPS, RESPS, RRIFS, we may wish to add life insurance and the TFSA to this list. We all agree that a good savings plan will have three key components: Can I get a tax deduction when I put money in the plan? Will my money grow tax free when it is in the plan? Can I get the money out tax free? Here is the issue though: While all the plans mentioned are all excellent investment vehicles, in some cases they do not go far enough in helping your client reach their financial goal.Some savings plans include RRSPS, RESPS, RRIFS, we may wish to add life insurance and the TFSA to this list. We all agree that a good savings plan will have three key components: Can I get a tax deduction when I put money in the plan? Will my money grow tax free when it is in the plan? Can I get the money out tax free? Here is the issue though: While all the plans mentioned are all excellent investment vehicles, in some cases they do not go far enough in helping your client reach their financial goal.

21. The problem Some of your clients have these concerns: RRSP isn�t going to be large enough Started investing later, making up for lost time Doesn�t want to keep working 9-to-5 �til 65 Here are some issues that clients have voiced in the past:. Mkts have eaten away at their RRSP Maybe they started too late in life and don�t have enough years left to make up the difference. Or like a lot of us here, do not want to keep on working until 65 years of age. CLICK many other different reasons financial roadmaps will take a detour, but what�s put there to help them keep on the financial roadmap and get them to the end destination? Here are some issues that clients have voiced in the past:. Mkts have eaten away at their RRSP Maybe they started too late in life and don�t have enough years left to make up the difference. Or like a lot of us here, do not want to keep on working until 65 years of age. CLICK many other different reasons financial roadmaps will take a detour, but what�s put there to help them keep on the financial roadmap and get them to the end destination?

22. The Fast-Forward Savings Plan What is the �Fast-Forward Savings Plan� concept? a new way to help people learn about leverage� not a new product or plan type an opportunity to significantly increase investment growth This would be the FFSP. The Fast Forward Savings Plan is not a new product or plan but a different way for your clients to think about leverage and stay the course to reach their financial goals We position the Fast Forward Savings Plan as a "savings plan" because when viewed as a savings plan, clients are more likely to stick to the strategy and not waiver This would be the FFSP. The Fast Forward Savings Plan is not a new product or plan but a different way for your clients to think about leverage and stay the course to reach their financial goals We position the Fast Forward Savings Plan as a "savings plan" because when viewed as a savings plan, clients are more likely to stick to the strategy and not waiver

23. Fast-Forward Savings Plan example Sitting down with client and they are interested and they want to visualize what you are saying. What we want to show you here is what you can show your client which compares a leverage strategy VS a non leverage strategy. Over a 10 year period, the leveraged investment VS the non-leveraged investment exceeded it by almost $31K based on a $100K loan This shows two things: There is history and knowledge behind this wealth creation strategy This type of illustration is one key customizable sales tool that you have in your tool box that will help you explain this strategy to your client in detail and put some numbers behind it as well You have another tool in your financial tool box but what factors determine if your clients fit this strategy? CLICK!!Sitting down with client and they are interested and they want to visualize what you are saying. What we want to show you here is what you can show your client which compares a leverage strategy VS a non leverage strategy. Over a 10 year period, the leveraged investment VS the non-leveraged investment exceeded it by almost $31K based on a $100K loan This shows two things: There is history and knowledge behind this wealth creation strategy This type of illustration is one key customizable sales tool that you have in your tool box that will help you explain this strategy to your client in detail and put some numbers behind it as well You have another tool in your financial tool box but what factors determine if your clients fit this strategy? CLICK!!

24. Ideal clients Fast-Forward Savings Plans are best suited for investors with: clearly defined investment goals long-term investment horizon investing experience, higher risk tolerance adequate reliable income to service the loan. higher marginal tax rate Is leverage good for every client? Its not for everyone. Having said that here are the factors that can be used as a guideline in determining whether or not they fir this strategy: Clients that have a financial plan in place. Investing for the longer term. Time is your friend here,Min 10 years Can handle the ups and downs in the markets. Why? Because leveraging accelerate both investment gains and losses Cash flow to service interest on the loan. And typically but not necessarily in a higher tax bracket so they can take advantage of the tax deductibility. The higher the tax bracket, the greater the tax deduction. Using leverage properly can help address some of the detours on the financial roadmap: RRSP�s being too small Didn�t start planning soon enough Wanting to retire early or running out of income in retirement and having to work again. Is leverage good for every client? Its not for everyone. Having said that here are the factors that can be used as a guideline in determining whether or not they fir this strategy: Clients that have a financial plan in place. Investing for the longer term. Time is your friend here,Min 10 years Can handle the ups and downs in the markets. Why? Because leveraging accelerate both investment gains and losses Cash flow to service interest on the loan. And typically but not necessarily in a higher tax bracket so they can take advantage of the tax deductibility. The higher the tax bracket, the greater the tax deduction. Using leverage properly can help address some of the detours on the financial roadmap: RRSP�s being too small Didn�t start planning soon enough Wanting to retire early or running out of income in retirement and having to work again.

25. Tortoise Leverage

26. The tortoise and the hare The tortoise wins the race against a much quicker hare by holding a consistent pace. The moral of the story? Slower and steadier can win the race. We have all heard of the tale about the tortoise and the hare where the slow tortoise is put up against the faster hare in a race. So a course was fixed and a start was made. The hare darted almost out of sight at once, but soon stopped and, to show his contempt for the tortoise, lay down to have a nap. The tortoise plodded on and plodded on, and when the hare awoke from his nap, he saw the tortoise nearing the finish line, and he could not catch up in time to save the race. Moral of story? Slow & Steady wins the race. You can apply in an investment leveraging concept called The Tortoise Leverage concept We have all heard of the tale about the tortoise and the hare where the slow tortoise is put up against the faster hare in a race. So a course was fixed and a start was made. The hare darted almost out of sight at once, but soon stopped and, to show his contempt for the tortoise, lay down to have a nap. The tortoise plodded on and plodded on, and when the hare awoke from his nap, he saw the tortoise nearing the finish line, and he could not catch up in time to save the race. Moral of story? Slow & Steady wins the race. You can apply in an investment leveraging concept called The Tortoise Leverage concept

27. Getting Started Obtain a Manulife Bank Investment Loan Open a Manulife segregated fund contract Select Manulife Dollar-Cost Averaging Advantage Fund (1.55%1 interest) OR Open a Manulife Mutual Fund account - Complete the Dollar-Cost Averaging form  (Deposit placed in Manulife Money Fund) So how do we start the ball rolling on this concept?? Have the client apply for a Manulife Bank loan. Open a seg fund contract Select the Manulife Dollar Cost Averaging Advantage Fund which is paying currently 3.05% OR You can open up a Manulife MF and deposit money into a money fund How does it work? CLICK So how do we start the ball rolling on this concept?? Have the client apply for a Manulife Bank loan. Open a seg fund contract Select the Manulife Dollar Cost Averaging Advantage Fund which is paying currently 3.05% OR You can open up a Manulife MF and deposit money into a money fund How does it work? CLICK

28. How does it work? Gradually ease into long-term funds through dollar-cost averaging Mutual funds: Choose from 2-52 automatic* switches over a one-year period Segregated funds: Choose from 6-12 automatic* monthly switches, commencing up to 90 days after deposit At purchase of the Dollar-Cost Averaging Advantage Fund, Manulife pays a commission like an equity fund. CLICK -This concept allows your clients to slowly invest into the market place using the benefits of dollar cost averaging AND they earn interest on their leverage proceeds. -You have 6 to 12 automatic monthly switches commencing up to 90 days after the deposit. In other words, you and your clients have up to 15 months to have proceeds fully invested. What about from an advisor payout pint of view? CLICK The $ cost Averaging fund pays like an equity fund. As an example, if the DSC is selected, you receive the 5% gross comp along with a .50bps trailer. This is a very compelling story: Why did the turtle win the race? He was disciplined and he ran his own race. He stayed the course and was consistent. Why did the hare lose the race? He was erratic and distracted. This is a good analogy with respect to an investment leverage strategy in general. We have added another tool in your financial tool box to help you with leverage concepts. CLICK -This concept allows your clients to slowly invest into the market place using the benefits of dollar cost averaging AND they earn interest on their leverage proceeds. -You have 6 to 12 automatic monthly switches commencing up to 90 days after the deposit. In other words, you and your clients have up to 15 months to have proceeds fully invested. What about from an advisor payout pint of view? CLICK The $ cost Averaging fund pays like an equity fund. As an example, if the DSC is selected, you receive the 5% gross comp along with a .50bps trailer. This is a very compelling story: Why did the turtle win the race? He was disciplined and he ran his own race. He stayed the course and was consistent. Why did the hare lose the race? He was erratic and distracted. This is a good analogy with respect to an investment leverage strategy in general. We have added another tool in your financial tool box to help you with leverage concepts.

30. High-Interest Savings Accounts Advantage Account Business Advantage Account Registered Advantage Account $US Advantage Account $US Business Advantage Account Investment Savings Accounts $CAN $US Term Deposits Short-term deposits Guaranteed Investment Certificates Manulife Bank offers premium interest rates on all of their deposit products to all of their clients. They offer a wide range of deposit products to suite your investment needs. Manulife Bank offers premium interest rates on all of their deposit products to all of their clients. They offer a wide range of deposit products to suite your investment needs.

31. Your chequing account deserves to grow Canada�s best chequing account Premium interest rate on every dollar, currently 1.55% No minimum deposit required Easy access to cash Internet and telephone banking No monthly fee The Advantage account offers all clients a premium interest rate on every dollar. The interest rate on the Advantage Account is currently XXX%. Rate is subject to change. There is no minimum deposit required. The interest on the account is calculated daily and posted to the account on the last day of the month. Clients are issued an Access card which provides them with full access to their account. Clients can access their account 24 hours a day through Manulife Bank�s Internet and automated telephone baking services. There is no monthly fee for the account, some types of transactions are subject to fees (bill payments, ABM withdrawals and debit payments). For information on Manulife Bank�s fees please visit manulifebank.ca The Advantage account offers all clients a premium interest rate on every dollar. The interest rate on the Advantage Account is currently XXX%. Rate is subject to change. There is no minimum deposit required. The interest on the account is calculated daily and posted to the account on the last day of the month. Clients are issued an Access card which provides them with full access to their account. Clients can access their account 24 hours a day through Manulife Bank�s Internet and automated telephone baking services. There is no monthly fee for the account, some types of transactions are subject to fees (bill payments, ABM withdrawals and debit payments). For information on Manulife Bank�s fees please visit manulifebank.ca

32. Get more for your money Deposit options Deposit funds at any ABM displaying THE EXCHANGE� symbol Transfer funds Make a deposit at a Royal Bank branch Have your income directly deposited Withdrawal options Withdrawal cash at any ABM (charges apply) Direct payment Cheques Bill payments Transfer funds Deposit options Deposit funds at any Canadian deposit-taking ABM with THE EXCHANGE symbol. Transfer funds between your Advantage Account and an account you hold in your name at another Canadian Financial Institution Deposit funds at a Royal Bank branch through a teller with deposit slips supplied by Manulife Bank Contact your payroll department to have your income directly deposited to your account Withdrawal options Withdrawal cash at any ABM � ABMs that display THE EXCHANGE symbol will not charge a convenience fee Make direct purchases at retailers, don�t forget to ask about the �cashback� option. Asking for cashback when making a direct purchase at a retailer will allow you to obtain cash without having to use an ABM and incur transaction fees / convenience fees Write a cheque Pay bills online, or through the automated telephone banking system Setup pre-authorized bill payments. Transfer funds to an account you hold in your name at another Canadian Financial Institution. Note: some transactions are subject to fees. For details please visit our website at manulifebank.ca Deposit options Deposit funds at any Canadian deposit-taking ABM with THE EXCHANGE symbol. Transfer funds between your Advantage Account and an account you hold in your name at another Canadian Financial Institution Deposit funds at a Royal Bank branch through a teller with deposit slips supplied by Manulife Bank Contact your payroll department to have your income directly deposited to your account Withdrawal options Withdrawal cash at any ABM � ABMs that display THE EXCHANGE symbol will not charge a convenience fee Make direct purchases at retailers, don�t forget to ask about the �cashback� option. Asking for cashback when making a direct purchase at a retailer will allow you to obtain cash without having to use an ABM and incur transaction fees / convenience fees Write a cheque Pay bills online, or through the automated telephone banking system Setup pre-authorized bill payments. Transfer funds to an account you hold in your name at another Canadian Financial Institution. Note: some transactions are subject to fees. For details please visit our website at manulifebank.ca

33. An account for all uses Primary account For individuals who embrace technology and have minimal need for traditional branch banking services Secondary account For individuals who want to earn a high rate of interest on the bulk of their short-term money but are not comfortable giving up branch banking altogether. Investment accounts For individuals who want to earn a better rate of return or achieve more liquidity for their �emergency funds�

34. What makes the Advantage Account different from other high interest accounts? Manulife Bank pays a high rate of interest on every dollar in your account Easy access to your money Internet and telephone banking Debit purchases & ABM access Cheque writing What makes the Advantage Account different from other high interest accounts? Manulife Bank pays a high rate of interest on every dollar in your account. There is no minimum balance required to receive their premium rate. Manulife Bank offers easy access to your money. They supply you with an access card which allows you to withdrawal funds at ABMs and make deposits at ABMs that are part of THE EXCHANGE network. Clients can access their account 24 hours a day through Manulife Bank�s Internet and telephone banking system. Clients can pay bills and transfer funds online or over the phone Clients have cheque writing capabilities What makes the Advantage Account different from other high interest accounts? Manulife Bank pays a high rate of interest on every dollar in your account. There is no minimum balance required to receive their premium rate. Manulife Bank offers easy access to your money. They supply you with an access card which allows you to withdrawal funds at ABMs and make deposits at ABMs that are part of THE EXCHANGE network. Clients can access their account 24 hours a day through Manulife Bank�s Internet and telephone banking system. Clients can pay bills and transfer funds online or over the phone Clients have cheque writing capabilities

35. Access to THE EXCHANGE� Network No convenience fees Deposit capability 2,300 + ABMs ABM locator Members National Bank HSBC Citibank Credit Unions (60 + locations) including VanCity Access to THE EXCHANGE Network. This network of ABMs allows Manulife Bank clients to make withdrawals at these ABMs without incurring any convenience fees. Clients can also make deposits at these ABMs Visit manulifebank.ca and select �About my account�, �Find an ABM� on the website to locate ABMs in your area that are part of THE EXCHANGE Network There are over 2300 ABMs in Canada that are part of this network Members of this network include � National Bank, HSBC, Citibank, over 60 Credit Unions including VanCityAccess to THE EXCHANGE Network. This network of ABMs allows Manulife Bank clients to make withdrawals at these ABMs without incurring any convenience fees. Clients can also make deposits at these ABMs Visit manulifebank.ca and select �About my account�, �Find an ABM� on the website to locate ABMs in your area that are part of THE EXCHANGE Network There are over 2300 ABMs in Canada that are part of this network Members of this network include � National Bank, HSBC, Citibank, over 60 Credit Unions including VanCity

36. Make your short-term cash work harder Canada�s best account for business owners Designed to provide real growth for business� excess short-term cash (not a business operating account) Premium interest rate on every dollar, currently 1.55% No minimum deposit required Easier, more accessible alternative to money market funds or government t-bills Internet and telephone banking No monthly fee Give you business an advantage by opening up a Business Advantage Account at Manulife Bank. The Business Advantage account is currently paying XXX%. Rates are subject to change. Deposit your excess cash in your operating account into your Business Advantage Account and earn a high rate of interest. There is no minimum deposit required, so every dollar you deposit will earn our high interest rate. The account is flexible compared to money market funds or government t-bills. You can access your account through Internet and automated telephone banking services 24 hours a day. There is also no monthly fee on the account. Imagine a bank account for businesses that doesn�t charge a monthly fee and pays a high rate of interest on every dollar in the account. You can with Manulife Bank�s Business Advantage Account. Give you business an advantage by opening up a Business Advantage Account at Manulife Bank. The Business Advantage account is currently paying XXX%. Rates are subject to change. Deposit your excess cash in your operating account into your Business Advantage Account and earn a high rate of interest. There is no minimum deposit required, so every dollar you deposit will earn our high interest rate. The account is flexible compared to money market funds or government t-bills. You can access your account through Internet and automated telephone banking services 24 hours a day. There is also no monthly fee on the account. Imagine a bank account for businesses that doesn�t charge a monthly fee and pays a high rate of interest on every dollar in the account. You can with Manulife Bank�s Business Advantage Account.

37. Give your business an advantage Deposit options Funds transfers Make a deposit at a Royal Bank branch Withdrawal options Cheques Funds transfers Bill payments This account provides the accessibility and the growth you deserve for your business� excess cash. This account allows you to have easy access to your cash and there are no withdrawal restrictions or penalties. You can deposit funds to your account by transferring funds from your Business operating account at another Canadian Financial Institution through the Internet or through the automatic telephone banking system. You can also make deposits using deposit slips at any Royal Bank branch through a teller. Royal Bank ABM and night deposit box deposits are not accepted. Please note that you must request deposit slips from Manulife Bank in order to make a deposit at the Royal Bank Accessing your money You can access your money by writing cheques Note: There is a fee of $1.50 for each cheque written on the account. Funds Transfers Bill payments This account provides the accessibility and the growth you deserve for your business� excess cash. This account allows you to have easy access to your cash and there are no withdrawal restrictions or penalties. You can deposit funds to your account by transferring funds from your Business operating account at another Canadian Financial Institution through the Internet or through the automatic telephone banking system. You can also make deposits using deposit slips at any Royal Bank branch through a teller. Royal Bank ABM and night deposit box deposits are not accepted. Please note that you must request deposit slips from Manulife Bank in order to make a deposit at the Royal Bank Accessing your money You can access your money by writing cheques Note: There is a fee of $1.50 for each cheque written on the account. Funds Transfers Bill payments

38. What makes the Business Advantage Account different from other high interest business Accounts? Manulife Bank pays a high rate of interest on every dollar in your account Easy access to your money Internet and telephone banking Cheque writing Bill payments Manulife Bank pays a high rate of interest on every dollar in your account. No minimum deposit or holding time is required to earn their premium interest rate. Easy access to your money through Internet and telephone banking services. Clients can transfer money between their Business Advantage Account and their Business account at another Canadian Financial Institution. Clients can also write cheques on their account (fee of $1.50 for each cheque written on the account). Clients can pay bills (fee of $0.50 per bill payment) online or over the phone.Manulife Bank pays a high rate of interest on every dollar in your account. No minimum deposit or holding time is required to earn their premium interest rate. Easy access to your money through Internet and telephone banking services. Clients can transfer money between their Business Advantage Account and their Business account at another Canadian Financial Institution. Clients can also write cheques on their account (fee of $1.50 for each cheque written on the account). Clients can pay bills (fee of $0.50 per bill payment) online or over the phone.

39. Security and growth for your RRSP A no fee alternative to money market funds High interest rate, currently 1.55% Money is never locked-in Great place to park your registered funds Short-term holding account Low risk investment Manulife Bank�s Registered Advantage Account offers you the security of a bank account plus a high rate of interest to ensure your RRSP savings grow. The interest rate on the Registered Advantage account is currently XXX% There is no fee to transfer funds from your Registered Advantage Account to another registered investment. Your money is never locked-in. If you�re not sure where to invest or if you want to shelter your RRSP savings from temporary market volatility, this account works as a great short-term holding account. Many Canadians choose to hold at least part of their RRSP savings in a low-risk investment. This account offers a high competitive interest rate which makes it an ideal place to invest the secure portion of your RRSP savings. Manulife Bank�s Registered Advantage Account offers you the security of a bank account plus a high rate of interest to ensure your RRSP savings grow. The interest rate on the Registered Advantage account is currently XXX% There is no fee to transfer funds from your Registered Advantage Account to another registered investment. Your money is never locked-in. If you�re not sure where to invest or if you want to shelter your RRSP savings from temporary market volatility, this account works as a great short-term holding account. Many Canadians choose to hold at least part of their RRSP savings in a low-risk investment. This account offers a high competitive interest rate which makes it an ideal place to invest the secure portion of your RRSP savings.

40. Keep your money growing High interest savings account, currently .60% No tiers or minimum balances No monthly fee Internet and telephone banking Withdrawals Funds transfers (between your $US Advantage Account and a $US account that you hold in your name at another Canadian Financial Institution) Deposits Funds transfers Mail cheque to Manulife Bank The Manulife Bank $US Advantage Account provides a premium interest rate for your U.S. dollars. The interest rate on the $US Advantage Account is currently XXX%. Rates are subject to change. There are no tiers or minimum balances required. Every $US dollar you deposit into your account will earn a high rate of interest. There is no monthly fee or transaction fees on the account. You can keep track of your account through Manulife Bank�s Internet and telephone banking services. You will also receive quarterly statements. To access you money, you just need to transfer funds from your $US Advantage Account to your $US account you hold at another Canadian Financial Institution To deposit funds to your account you can either transfer funds into your $US Advantage Account or mail a US funds cheque to Manulife Bank and they will deposit the funds into your account. Please note that in order to apply for a $US Advantage Account you must currently hold a $US account at another Canadian Financial Institution. The Manulife Bank $US Advantage Account provides a premium interest rate for your U.S. dollars. The interest rate on the $US Advantage Account is currently XXX%. Rates are subject to change. There are no tiers or minimum balances required. Every $US dollar you deposit into your account will earn a high rate of interest. There is no monthly fee or transaction fees on the account. You can keep track of your account through Manulife Bank�s Internet and telephone banking services. You will also receive quarterly statements. To access you money, you just need to transfer funds from your $US Advantage Account to your $US account you hold at another Canadian Financial Institution To deposit funds to your account you can either transfer funds into your $US Advantage Account or mail a US funds cheque to Manulife Bank and they will deposit the funds into your account. Please note that in order to apply for a $US Advantage Account you must currently hold a $US account at another Canadian Financial Institution.

41. Enhanced growth for your U.S. cash High interest savings account, currently .60% Available to incorporated and unincorporated business, organizations and trusts No tiers or minimum balances No monthly fee Internet and telephone banking Withdrawals Funds transfers Deposits Funds transfers Mail cheque to Manulife Bank The Manulife Bank $US Business Advantage Account provides a premium interest rate for your U.S. dollars. The current interest rate is XXX%. This account is available to incorporated and unincorporated businesses, organizations and trusts registered in Canada. There are no tiers or minimum balances required. Every $US dollar you deposit into your account will earn a high rate of interest. There is no monthly fee or transaction fees on the account. You can keep track of your account through Manulife Bank�s Internet and telephone banking services. You will also receive quarterly statements. To access you money, you just need to transfer funds from your $US Advantage Account to your $US account you hold at another Canadian Financial Institution. To deposit funds to your account you can either transfer funds into your $US Advantage Account or mail a US funds cheque to Manulife Bank and they will deposit the funds into your account. Please note that in order to apply for a $US Advantage Account you must currently hold a $US business account at another Canadian Financial Institution.The Manulife Bank $US Business Advantage Account provides a premium interest rate for your U.S. dollars. The current interest rate is XXX%. This account is available to incorporated and unincorporated businesses, organizations and trusts registered in Canada. There are no tiers or minimum balances required. Every $US dollar you deposit into your account will earn a high rate of interest. There is no monthly fee or transaction fees on the account. You can keep track of your account through Manulife Bank�s Internet and telephone banking services. You will also receive quarterly statements. To access you money, you just need to transfer funds from your $US Advantage Account to your $US account you hold at another Canadian Financial Institution. To deposit funds to your account you can either transfer funds into your $US Advantage Account or mail a US funds cheque to Manulife Bank and they will deposit the funds into your account. Please note that in order to apply for a $US Advantage Account you must currently hold a $US business account at another Canadian Financial Institution.

42. Who says you have to drive in the slow lane to be safe? Investment Savings Account provides three key benefits you look for in a low-risk investment: Growth Convenience Security of a bank account Who says you have to drive in the slow lane to be safe? Just because you need a secure place to invest your cash doesn�t bean you should accept a low rate of return. The Manulife Bank Investment Savings Account provides three key benefits you look for in a low-risk investment: Growth � the account features a premium interest rate that applies to every dollar in your account which means your cash can work harder than ever. Convenience � there are no maturity dates to worry about, your money is never locked-in and transactions settle the following business day Security of a bank account� unlike investments that can decrease in value, Investment Savings Account provides the security of a bank account Note: The $US fund Investment Savings Account is not eligible for CDIC coverage.Who says you have to drive in the slow lane to be safe? Just because you need a secure place to invest your cash doesn�t bean you should accept a low rate of return. The Manulife Bank Investment Savings Account provides three key benefits you look for in a low-risk investment: Growth � the account features a premium interest rate that applies to every dollar in your account which means your cash can work harder than ever. Convenience � there are no maturity dates to worry about, your money is never locked-in and transactions settle the following business day Security of a bank account� unlike investments that can decrease in value, Investment Savings Account provides the security of a bank account Note: The $US fund Investment Savings Account is not eligible for CDIC coverage.

43. Part of your investment account, managed by your financial advisor Deposits can be held as cash, margin accounts and registered accounts No fixed terms or interest rate penalties Your money is never locked-in and transactions settle the following business day

44. The many benefits of GICs Growth Dependability Security Simplicity Growth � Your investment is guaranteed to grow, regardless of how the markets perform. Dependability � your interest rate is guaranteed not to fluctuate throughout the term. Security � your original investment will be returned with interest at maturity, guaranteed. Simplicity � an investment that�s guaranteed to grow � what could be simpler?Growth � Your investment is guaranteed to grow, regardless of how the markets perform. Dependability � your interest rate is guaranteed not to fluctuate throughout the term. Security � your original investment will be returned with interest at maturity, guaranteed. Simplicity � an investment that�s guaranteed to grow � what could be simpler?

45. Terms of 30-364 days Registered (RRSP only) or non-registered Minimum $25,000 deposit Tiered rates for larger investment amounts Redeemable prior to maturity (interest penalty applies) For current rate visit manulifebank.ca Note - Interest is pro-rated to the number of days the investment is active For current rate visit manulifebank.ca Note - Interest is pro-rated to the number of days the investment is active

46. For current rates visit manulifebank.caFor current rates visit manulifebank.ca

47. Questions?

48. Important notes Rates mentioned in this presentation are for illustrative purposes only. Rates and fees are subject to change. The Manulife�one Base Rate is a variable annual rate equal to Prime (3.25% as of Apr 21, 2009) that is not guaranteed and may fluctuate. Interest rates are calculated on the daily closing balances and charged monthly and are applicable to the Main Account and Variable Rate Accounts. Accounts with positive balances: The Manulife One Credited rate is 1.55% as at Apr 21, 2009, a variable annual interest rate which is calculated on the daily closing balance and credited monthly. Further to the General Terms, credit balances in the Main Account cannot and will not be offset against debt balances in a separate borrowing account. Account fees. The current monthly administration fee for a Manulife One account is $14 per month. For a complete listing of Service charges and fees, visit manulifeone.ca

49. Important notes Borrowing to invest may be appropriate only for investors with higher risk tolerance. Your clients should be fully aware of the risks and benefits associated with investment loans since losses as well as gains may be magnified. Preferred candidates are those willing to invest for the long term and not averse to increased risk. The value of your client's investment will vary and is not guaranteed however they must meet their loan and income tax obligations and repay their loan in full. Please ensure clients read the terms of their loan agreement and the investment details for important information. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator and does not provide investment advice of any nature to individuals or advisors. The dealer and advisor are responsible for determining the appropriateness of investments for their clients and informing them of the risks associated with borrowing to invest. PLEASE DISPLAY THIS PAGE FOR AT LEAST ONE MINUTE. ACTUAL TIME TO READ AT A MODERATELY SLOW PACE IS JUST UNDER 1 MINUTEPLEASE DISPLAY THIS PAGE FOR AT LEAST ONE MINUTE. ACTUAL TIME TO READ AT A MODERATELY SLOW PACE IS JUST UNDER 1 MINUTE

50. Important notes Bank products are offered by Manulife Bank of Canada. Manulife Dollar-Cost Averaging Advantage Fund offered by Manulife Mutual funds. Manulife, Manulife Financial, Manulife One, the One logo and the block design are registered trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Bank of Canada. DISPLAY FOR 30 SECONDSDISPLAY FOR 30 SECONDS