2015 RRSP Loan Program

Agenda  RRSP Loan Program details  Investment options  Before you begin  Selecting a sales process  BankLink  Launching BankLink  Your BankLink dashboard  Completing the loan application  Tracking your loans  Application tips  Support

RRSP Loan Program details *As at January 30, 2015, Manulife Bank’s Prime Rate is 2.85% and the Annual Percentage Rate (APR) for RRSP Loans is 3.35%. The APR is based on a one-year term with 12 regular monthly payments. Rates are variable and subject to change. ItemDetails Interest rateManulife Bank Prime Rate %* Loan termLoan terms of 12 to 24 months No penalty for early repayment Minimum loan$1,000 Maximum loan$24,270 Application FeesNone UnderwritingCredit review. In certain cases, Manulife Bank may require additional information and may contact your client directly. Payment optionsRegular option:  Equal payments made over 12 to 24 consecutive months 90-day deferred payment option:  Equal payments made over 9 consecutive months  Interest begins to accrue when loan is advanced  Not available for terms greater than 12 months

Investment options  Manulife Bank products:  Registered Advantage Account  1 to 5-year GICs  Manulife Investments products:  Manulife Mutual Funds  Manulife Segregated Funds  Manulife PensionBuilder ®  Manulife Investments GICs  Manulife Securities Nominee Name Accounts

Before you begin  Manulife Bank RRSP Loan applications must be submitted online using BankLink  Ensure you have a current Repsource ID and password at manulife.ca/repsource  You must you have version 7 or higher of the Acrobat ® Reader ® software  Ensure your computer is connected to a printer Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries.

Selecting a sales process Sale made in your office (recommended)  Complete the online application with your client  Have them sign the loan documents all in one meeting  It should take you about 10 minutes to complete the online application Sale made away from office after prior discussion with client  Confirm with your client over the phone that they would like to proceed with an application  Start the online application and bring system-generated forms to your client meeting for signatures  Upon your return to the office, complete the online application Sale made away from office without prior discussion with client  Complete the Client Authorization Form (AB0404E) during client meeting  Upon return to the office, complete the online application

BankLink  BankLink is the online application and client information tool  Easier than ever to provide your clients with an RRSP Loan  Guides you step-by-step through the application process  Pre-populates client’s information  Request a pre-approval  Save and close the application and return to complete it later  Provides a customized instruction sheet and loan documents  Track the status of your loans on the BankLink homepage

Launching BankLink  Login to Repsource at manulife.ca/repsource Click here if you don’t have a Repsource ID Login to Repsource here

 Select “BankLink” from the right-hand ‘Tools & Illustrations’ menu bar. Launching BankLink Click on “BankLink”

Your BankLink dashboard  The Homepage displays the status of all your loan applications

 To start a new application, select “Apply for a product” from the “My Options” menu Completing the loan application Click here to begin an application

Completing the loan application  Search to see if information about your client is already on file Select your advisor code Search by client name or SIN

Completing the loan application Choose a new or existing client and select a product Begin an application for an existing client Begin an application for a new client

Completing the loan application Complete the applicant information (for new clients)

Completing the loan application Summary of your progress through the application Complete the disclosure information

Click here to request pre-approval Pre-approval status appears in the information bar Completing the loan application Request a pre-approval (optional)

Completing the loan application Complete the income information Click here to exit an application Click here to save an application

Completing the loan application Complete the investment information Enter the investment account number or select “new investment”

Completing the loan application View the sample cheque if you’re not sure which numbers go where Complete the payment information

Completing the loan application Select “submit” to complete the loan application You must click “Submit”, even if you’ve already requested pre-approval Status of the loan application

Completing the loan application Print the loan documents, obtain client signature and fax to Manulife Bank. Click here to open a window with the loan documents

Tracking your loans You can track the status of your loans on the dashboard View the status of your loans

Application tips  You must select the “submit” button to complete the application process, even if you’ve previously requested a pre-approval  RRSP loan documents should be faxed to Manulife Bank  No need to forward originals  Do not fax and mail the documents (this may result in two loans being funded)  For your own personal loan application  Have another advisor or licensed marketing assistant sign the Representative assertions section

Support Click here for support If you require assistance with the application, click on “Help”

Important Notes Borrowing to invest in an RRSP may not be appropriate for everyone. Your clients will need the financial means to meet their loan obligations. In addition, investments held in an RRSP may fluctuate in value. Your clients should be aware that, regardless of their RRSP’s performance or value of any investments held in their RRSP, they will be required to meet their loan obligations 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. RRSP Loans are offered through Manulife Bank of Canada. Manulife, Manulife Bank, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking and Manulife PensionBuilder are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

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