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

2. 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.

3. 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

4. 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.

5. 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”

6. 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

7. 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

8. 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.

9. 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

10. 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.

11. 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

12. 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

13. 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

14. 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.

15. $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.

16. $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.

17. 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

18. 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

19. 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.

20. Guaranteed Investment Certificates  The many benefits of GICs  Growth  Dependability  Security  Simplicity

21. 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)

22. 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

23. 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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