Investment leverage strategies Name, DESIGNATION Title, Company Name Date

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

Introducing Tortoise Leverage! Same great benefits offered by traditional leverage, with a new twist:  Clients enter market at a slower and steadier pace  Just takes a little longer to get up to speed and fully invested

How does it work?  Obtain a Manulife Bank Investment Loan  Open a Manulife mutual fund or segregated fund contract  Select Manulife Dollar-Cost Averaging Fund

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 Fund, Manulife pays full advisor compensation  Clients can also choose later to accelerate their switches (e.g. go "all-in" to their long-term funds)

Investment choices for Tortoise Leverage  Manulife Segregated Funds  Manulife Mutual Funds  Manulife Mawer Funds  Manulife AIC Funds  Manulife Simplicity Portfolios  Manulife Corporate Classes  Manulife Series F and Elite Series

Key benefits  Dollar-cost averaging reduces the risk of purchasing investments at a peak or missing the bottom of a market cycle  100% financing ($10,000 -$100,000)  Interest-only or Principal and Interest payments  No margin calls  Helps create a disciplined savings program

Important Notes Borrowing to invest may only be appropriate 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 who are 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 helping the investor determine the appropriateness of investments and informing them of the risks associated with borrowing to invest. Tax deductibility of loan interest depends on a number of factors, with the Income Tax Act providing the framework for determining tax deductibility. Tax laws are subject to change and therefore, tax treatment of illustrated figures cannot be guaranteed. Clients should consult their own tax and legal advisors with respect to their particular circumstance. 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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