1. Welcome to your Carrier Sekani Family Services Group Retirement Program Wojtek Golebiewski, BA CFP RPA Client Relationship Manager Manulife Financial – Group Retirement Solutions

2. Who is Manulife Financial?  Canada’s largest life insurance company operating worldwide  Operations in Canada, United States and Asia  More than 125 years of strength and stability  Consistently receives strong ratings from various rating agencies

3. Responsibilities Carrier Sekani Family Services Manulife Investment Managers You Plan SponsorService ProviderFund ManagersPlan Member Select service provider Make contributions Monitor the plan Provide information Develop member education/planning tools Provide member assistance Prepare and mail statements Offer investments Perform research Create funds Select stocks and bonds Buy and sell securities Understand your plan & investments Choose investments Make contributions Monitor your account Update personal information Take control of Your Retirement!

4. Your responsibilities Take Control of Your Retirement  Understand your plan and investments  Use the tools to select appropriate investments  Participate (CONTRIBUTE)  Monitor your account  Update personal information  Seek professional financial advice

5. Agenda  Learn about your new plan legislation  Setting up a PIN  Introduction to STEPS Retirement Program  Options in Retirement  Service and Support available

6. Legislative Changes  Carrier Sekani Family Services Pension Plan will be subject to BC Legislation effective April 1 st, 2013.  Minimal impact to current plan members

7. Your statement  Your statement is mailed to your home address semi- annually.

8. Complete these simple tasks 1.Confirm the information on your statement: Your personal and beneficiary information Your investments and contribution direction 2.Obtain your Personal Identification Number (PIN) for phone and online access 3.Set your retirement goal online using Manulife’s Steps Retirement Program ® (STEPS)

9. Your Personal Identification Number (PIN)  To activate (or reset) your PIN, please contact a Customer Service Representative at 1-888-727-7766.  Representatives are available Monday to Friday, from 8 a.m. to 8 p.m. ET.  Once you have your PIN, use it along with your 9-digit Customer Number to access your account information online or through the Manulife Customer Service Centre.

10. Confirm your information Verify your personal information  Your statement displays these details: Review your beneficiary information

11.  Need to make changes to your personal/beneficiary information? You can print a Change Form online at www.manulife.ca/GRO OR Contact Human Resources Confirm your information

12. Education and Communication  Information when you first enroll  Secure website available 24 hours a day, 7 days a week  www.manulife.ca/GRO Current account balances Plan information Investment information Retirement planning tools

13. Secure website home page  Personalized banner  Account balance  Estimated retirement income  Message centre  Learning centre

14. The Steps Retirement Program ®  The Steps Retirement Program ® (Steps) is an online retirement planning tool that will: Help you set a retirement income goal Show your estimated retirement income Help you track your savings progress Show whether you are on track towards your preferred retirement lifestyle

15.  In just three simple steps… Set goal Where do I want to be? Create plan How do I get there? Track progress Am I on track? Set/update your retirement goal

16. “Where do I want to be?”

18. “How do I get there?”

19. “Am I on track?”

20. Ongoing updates  You’ll receive reports that keep you up-to-date on your progress Online On your Semi-Annual Statement  You can track your progress online anytime, anywhere

21. Existing webinar topics Online Education  Gail Vaz-Oxlade Host of TV’s ‘Til Debt Do Us Part’ and ‘Princess’  You’ll learn Simple, practical solutions to common financial concerns Personal finance concepts The importance of saving for retirement  www.manulife.ca/GVO www.manulife.ca/GVO Finding Money to Save Talking Money with your Kids Creating a Financial Plan Debt vs. Savings Getting out of Debt The Balancing Act

22. Ongoing Support and Services  Plan member booklets  Account Statements (Semi-Annually)  Internet site: www.manulife.ca/GROwww.manulife.ca/GRO Steps Retirement Program ®  Telephone: 1-888-727-7766 (toll-free) Interactive Voice Response (IVR) Customer Service Representatives Financial Education Specialists  Email: gromail@manulife.comgromail@manulife.com

23. Options in Retirement Things to Consider  Protecting income from inflation  Tax planning  Managing investments on your own or with help  Providing guaranteed lifetime income for you and your spouse  Flexibility to adjust level of income  Leaving an estate to heirs

24. Options in Retirement Main income options for Defined Contribution Registered Pension Plan:

25. Annuity  Provides a guaranteed regular income  Monthly, quarterly, annually  Income based on: - Size of single premium (i.e. amount saved by retirement) - Type of annuity  Life Annuity/ Life with Guarantee  Joint Life (you & spouse/partner) - Current interest rates  Income from annuity is taxable

26. Life Income Fund (LIF)  For locked-in money  You select the investments  Required to withdraw income each year – subject to minimum and maximum amounts, which depend on where LIF is registered  Income from LIF is taxable

27. Manulife Group Retirement Income Plan (GRIP)  Offered exclusively to members retiring from Manulife Financial Group Savings Plans

28. Questions?