1. Grow your business

2. Training agenda  Product features  Plan design  Investment line up  Sales process  Sponsor support and services  Commission 2

3. Product features

4. 4 FutureStep ® – workplace retirement solution  Positioned to meet the needs of growing small business market  Owners understand importance of saving for their own retirement  Need help to make the connection for their business  Designed to provide  Quick and easy online application and administration  Competitive fees  Top notch employee services  Leading funds

5. Plan Minimum of two members and annual combined contributions of $10,000 DPSP can be added at a later date RRSP Plan Minimum of two members and combined annual contributions of $10,000 (If combined annual contributions are less than $20,000, plan sponsor will be charged an annual DPSP trustee fee of $750) RRSP/DPSP combination 5 Product features FutureStep ® product is a Group Registered Retirement Savings Plan (RRSP) and includes the option to add a Deferred Profit Sharing Plan (DPSP).

6. 6 Benefits of adding a DPSP  Employer contributions allow employees to share in company profits  Employer wants greater control over company contributions (i.e., vesting)  Unlike an RRSP, DPSP contributions are not considered taxable income to the members until removed from the plan  DPSP contributions do not attract payroll tax

7. 7 RRSP and DPSP features

8. 8

9. 9

10. 10 RRSP and DPSP features  Immediate vesting, or

11. Plan design

12. 12  Employers may choose different rules for different employees for the RRSP and DPSP, for example  Management  Non management  Employers customize their plan design(s)  Eligibility including waiting period  Contribution formula  Definition of earnings  Vesting rule for DPSP  Employers will have  One contribution file per policy  One set of online reports per policy Plan design options

13. 13 Completing the Plan Design Template  Work with the Plan Sponsor to complete the Plan Design Template  Reference materials available on Repsource:  Plan Design Template Guide (PDF)  Plan Design Template (Word)

14. 14 FutureStep Fees  FutureStep Member Fees  $75 member termination fee if assets transferred outside of GRS  $25 fee per in-service withdrawal  $10 duplicate tax receipt (available for free on member secure site)  FutureStep Sponsor Fees  $25 per member discontinuance/plan termination fee with a policy minimum of $225  $750 DPSP trustee fee charged to the plan sponsor if combined RRSP and DPSP annual cash flow is below the plan minimum of $20,000

15. Investment fund line up

16. 16 Investment fund line up  Competitive investment management fees (IMF)  Employees choose their investments  One fund line up  Managed by Manulife  Monitored by i-Watch ®  Covered by Certified Diversified ® warranty program

17. 17  Range of choices for all types of investors  No touch - Retirement Date  Low touch - Asset Allocation  High touch - Selection of ‘build your own’ funds  Default fund  Primary: Retirement Date  Secondary (if date of birth is missing): Moderate Asset Allocation Fund  Guaranteed Investment Options  1, 3, 5 year terms Investment fund line up

18. 18 Target Date Manulife Retirement Date suite of funds (2020 – 2055) – 1.80% Manulife Retirement Income Fund (2000) – 1.80% Asset Allocation Manulife Asset Allocation suite of funds (2001 – 2005) – 1.75% Fixed Income MLI Canadian Money Market (3132)– 1.47% MLI PH&N Bond Fund (4271) – 1.70%Balanced MLI Leith Wheeler Diversified Pooled (5301) – 1.75% MLI Fidelity Canadian Asset Allocation (5141) – 2.10% Global Equity MLI Trimark Fund (8181) – 2.00% MLI MFS MB Global Equity Fund (8161) – 1. 75% Canadian Large Cap Equity MLI Jarislowsky Fraser Canadian Equity (7241) – 1.70% MLI Scheer Rowlett Canadian Equity Fund (7601) – 1.80% MLI Greystone Canadian Equity Fund (7481) – 1.70% MLI MFC Global Pooled Canadian Index (7132) – 1.48% Canadian Small Cap Equity MLI MMF Growth Opportunities (7122) – 1.90% US Equity MLI U.S. Diversified Growth Equity (Wellington) (8196) – 1.95% MLI MFC Global Pooled US Equity Index (8131) – 1.48% International Equity MLI International Equity (Templeton) (8192) – 2.05% MLI BlackRock International Equity Index Fund (8321) – 1.60% Gross rates of return as of September 2013 Investment fund line up

19. Completing the eApplication

20. 20 Easy set-up 1. Complete the eApplication  Go to www.manulife.ca/futurestep to complete the eApplication  Application cannot be saved once started, so make sure you have all information before beginning by using the pre-application check list 2. Fax required documents to Manulife Financial  Once the eApplication has been submitted a set of electronic plan documents is emailed to the advisor and sponsor  Sponsor signs the application, pre-authorized debit form, and provides a copy of a void cheque  For DPSP, T2214, trustee agreement, and board resolution are also signed  Advisor signs application and the commission agreement 3. Welcome letter  Once the plan is set up a Welcome letter is emailed to plan sponsor (which advisor is copied on) with customer number and e-enroll access code.  Once the plan is active, a Welcome letter is mailed to the advisor

21. Completing the eApplication 21

22. Completing the eApplication 22

23. Completing the eApplication 23

24. Completing the eApplication 24

25. Completing the eApplication 25

26. Completing the eApplication 26

27. Completing the eApplication 27

28. Completing the eApplication 28

29. Completing the eApplication 29

30. Completing the eApplication 30

31. Completing the eApplication 31

32. Hosting enrolment sessions

33. 33 Enrolment support  Two options for providing member education  Provide the online enrolment education video  Deliver a live enrolment presentation  Employee enrolment  Online enrolment  Paper enrolment  Enrolment kits are provided to each employee

34. 34 Steps retirement program

35. 35 Ongoing member support  Annual member statement  Secure web site  Steps Retirement Program ®  Online transactions  1-800 Member Call Centre  Monday to Friday from 8 a.m. to 8 p.m. ET  Transition Solutions team for employees leaving a group plan

36. Ongoing sponsor support and services

37. 37 Ongoing sponsor support  National Small Business Consultant  Dedicated, proactive support for small-business employers  Webcast training to get you started  Plan administration guide  1-800 Plan Sponsor Call Centre  Secure sponsor website  Newsletter and other resources  Online contributions using pre-authorized debit

38. Commission

39. 39 Commission options Option 1 Option 2 Transfer commission Asset-based commission Cash-flow commission Transfer commission Asset-based commission Cash-flow commission Year 1 2.0%3.0%1.5% Year 2 2.0% 1.5%1.0% Year 3 2.0%0.30%1.0%1.5%0.30%0.75% Year 4+ 2.0%0.30%1.5%0.30%0.50%

40. Thank you