Make your cash work harder Manulife Bank deposit products Name, DESIGNATION Title, Company Name Date.

Make your cash work harderManulife Bank deposit products

Name, DESIGNATIONTitle, Company Name

Date

Manulife Bank – A strong partner

Member of Canada Deposit Insurance Corporation (CDIC)*.

A Schedule 1 Bank, wholly owned by Manulife Financial.

More than $20.9 billion in high-quality assets

Short-term deposits received the coveted A-1 rating from Standard and Poor’s

Working with financial advisors since 1993

*Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.

Manulife Bank deposit products

High-Interest Savings Accounts Advantage Account

Business Advantage Account

Tax-Free Advantage Account

Registered Advantage Account

$US Advantage Account

$US Business Advantage Account

Investment Savings Accounts $CAN

$US

Term Deposits Short-term deposits

1-5 Year Guaranteed Investment Certificates

Advantage Account

Your chequing account deserves to grow

Premium interest rate on every dollar, currently X.XX%*

No minimum deposit required

Access your money by cheque, ABM withdrawal and debit payments

Pay bills, transfer funds and make account inquiries through Internet or telephone banking services

Make deposits at a Royal Bank branch or at any Canadian deposit-taking ABM with THE EXCHANGE® symbol.

No monthly fee*As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

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 account For individuals who want to earn a better rate of return or achieve

more liquidity for their “emergency funds”

What makes the Advantage Account different from other high interest accounts?

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

Access to THE EXCHANGE® Network

No convenience fees

Deposit capability

2,300 + ABMs

ABM locator

230 members Nine banks including National Bank

and HSBC

Remainder are credit unions and other deposit taking institutions

Business Advantage Account Make your short-term cash work harder

Provides real growth for business’ excess short-term cash (not a business operating account)

Premium interest rate on every dollar, currently X.XX%

Use our Internet and telephone services to keep track of your account, pay bills, transfer money from your operating account and make account inquiries 24-hours-a-day

Write cheques

Make deposits at any Royal Bank branch

No monthly fee

As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

Business Advantage Account

What makes the Business Advantage Account different from other high interest business accounts? 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

Tax-Free Advantage Account

Tax-free growth for your savings High-interest, fully liquid Tax-Free

Savings Account (TFSA)

No minimum deposit required

Full interest rate paid on every dollar, currently X.XX%

Fully liquid, no penalty for withdrawal

No tax on interest

No account maintenance fees

As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

Tax-Free Advantage Account

Deposit options Mail a cheque to Manulife Bank or local bank deposit through

financial advisor

Set up a Pre-Authorized Chequing (PAC) deposit from a personal bank account

Transfer funds from a personal bank account

Transfer funds from another TFSA account (no fee) in the same client name

Tax-Free Advantage Account

Withdrawal options Official cheque from Manulife Bank

Transfer to another Manulife Bank account

Transfer to an account at another Canadian financial institution

Transfer to another TFSA account held by the account holder

Tax-Free Advantage Account

Possible uses for TFSA First portion of any non-registered assets

Emergency funds

Saving for mid-size purchases

Instead of RRSP for low-income earners

In addition to RRSP for high-income earners

Excess RRIF income

Income tax refunds from RRSP contributions

Registered Advantage Account

Security and growth for your RRSP A no fee alternative to money market

funds

High interest rate, currently X.XX%

Money is never locked-in

Great place to park your registered funds

Short-term holding account

Low risk investment

As at DATE, the variable annual interest rate of X.XX% is applied to all funds in the account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice. Withholding taxes may apply if funds are moved to a non-registered account.

$US Advantage Account

Keep your money growing High interest savings account, currently X.XX%

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 or mail a $US cheque drawn on a Canadian financial institution to Manulife Bank

As at DATE, variable annual interest rate of 0.00% is applied to all funds in a $US Advantage Account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

$US Business Advantage Account Enhanced growth for your U.S. cash

High interest savings account, currently X.XX%

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 or mail a $US cheque drawn on a Canadian financial institution to Manulife Bank

As at DATE, variable annual interest rate of 0.00% is applied to all funds in a $US Business Advantage Account. Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

Investment Savings Account

Who says you have to drive in the slow lane to be safe?

Providing three key benefits you look for in a low-risk investment: Growth

Convenience

Security of a bank account

Investment Savings Account

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

Investment Savings Account is TFSA-eligible if your dealer has a Tax-Free plan

Investment Savings Account

High interest savings account currently: X.XX% (A-class)

$US version also available that offers the same functionality and features

$US high interest savings account currently: X.XX% (A-class)

As at DATE variable annual interest rate of X.XX% is applied to all funds in the Investment Savings Account (A-class). As at DATE variable annual interest rate of X.XX% is applied to all funds in the $US Investment Savings Account (A-class). Interest is calculated daily on the total closing balance and paid monthly. Rate is subject to change without notice.

Note: The $US Investment Savings Account is not eligible for CDIC coverage.

Guaranteed Investment Certificates

The many benefits of GICs Growth

Dependability

Security

Simplicity

Short-term deposits

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)

Guaranteed Investment Certificates

Terms of 1, 2, 3, 4 and 5 years

Non-registered, RRSP or TFSA

Minimum $2,500 deposit ($10,000 for monthly interest)

Non-redeemable prior to maturity (non-registered and RRSP)

TFSA can be redeemed prior to maturity Subject to market value adjustment and expense recovery fees

Important notes

Fiserv EFT is the owner of THE EXCHANGE® trade mark and its associated rights. Fiserv EFT has granted FICANEX® the exclusive right to use, market and sublicense THE EXCHANGE® trade mark and the intellectual property rights associated with the operation of THE EXCHANGE® Network throughout Canada. Manulife Bank of Canada is an authorized user of the mark.

Manulife, Manulife Bank, the Manulife Bank For Your Future logo, the Block Design, Manulife One and the One logo, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking, are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

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