Grow your business with savings and debt management solutions
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1 Grow your busiess with savigs ad debt maagemet solutios
2 A few great reasos to provide bak ad trust products to your cliets You have the expertise to help your cliets get the best rates ad most competitive fiacial products available. By itegratig savigs ad debt maagemet products ito their broader fiacial pla, you ca help your cliets achieve their fiacial goals more quickly. Kowig where all your cliets moey is gives you the opportuity to icrease your ifluece over more of their fiacial decisios. Our uique debt maagemet ad wealth creatio products help you to help your cliets maage both sides of their balace sheet to succeed i the plas you create. You ll ehace your compesatio but, more importatly, it s more cost-effective to market ew products to existig cliets ad it helps you reduce competitive iflueces o them. By meetig your cliets savigs ad debt maagemet eeds, i additio to their isurace ad ivestmet eeds, you ll be providig them with everythig they eed to fulfill the fiacial pla you create together. This is key i esurig that your cliets do t tur to aother fiacial istitutio to meet their eeds. Bakig ad trust solutios build ad protect your busiess by puttig yourself i a stroger advisory positio. Our goal is to see you virtually elimiate the competitio by meetig all of your cliets fiacial eeds. 2
3 We re your bak ad Trust Compay We are differet because we offer our products ad services through fiacial advisors ad have bee doig so sice We believe that all fiacial decisios should be made with the help ad isight of a trusted advisor. We ll help you provide your cliets with the bakig products that will put your wealth creatio ad debt maagemet plas ito actio. Also, because Maulife Bak ad Maulife Trust have iovative products, great rates ad excellet customer service, you will ehace your cliet relatioships by exceedig their expectatios. Take a look at the variety of products that ca ehace what you curretly offer. Together, we ll give your cliets the solutios ad service they deserve. 3
4 Loa products Quick Loas* Maulife Bak Quick Loas ($10,000 - $100,000) are ideal for ivestors wishig to borrow 100 percet of their ivestmet amout. They feature o margi calls, a oe-step applicatio process ad the optio of iterest-oly or pricipal ad iterest paymets. Multiplier Loas* The Maulife Bak Multiplier Loa program is desiged for sophisticated ivestors who wish to borrow larger amouts ($10,000 to $1,000,000). They feature 3:1, 2:1 ad 1:1 fiacig ratio, o margi calls, the optio of iterest-oly or pricipal ad iterest paymets, ad a floatig iterest rate. RRSP Loas Access Lie of Credit ad Access Lie of Credit Plus Cliets who ow select Maulife Bak, Maulife Ivestmets ad Maulife Fiacial products may qualify for Access Lie of Credit or Access Lie of Credit Plus. Desiged to meet short-term fiacig eeds, Access Lie offers a competitive iterest rate ad coveiet access by ABM withdrawal, cheque, direct paymet ad Iterac e-trasfer. Isured Retiremet Program (IRP) The Isured Retiremet Program trasforms a life isurace policy ad a bak lie of credit ito the potetial for tax-deferred accumulatio of fuds today ad tax-free access to fuds i the future. Maulife Bak s RRSP loa program focuses o competitive short-term, floatig rate loas to fud the purchase of registered ivestmet products offered by Maulife Bak ad Maulife Ivestmets. 4
5 Mortgages Maulife Oe Caada s first flexible mortgage accout, Maulife Oe is a all-i-oe persoal borrowig ad chequig accout that ca potetially save your cliets thousads. Because their icome ad debts are combied, every time your cliet gets paid, it pays dow the pricipal ad saves them iterest costs. Maulife Oe truly delivers savigs ad satisfactio. Maulife Oe Creditor Isurace Maulife Oe Creditor Isurace is affordable, coveiet ad competitively priced. It s a excellet way to start, or to improve your cliets persoal isurace program. Your ew ad existig Maulife Oe cliets ca obtai life, disability ad job loss protectio. Maulife Bak Select Maulife Bak Select combies a traditioal mortgage with a everyday bakig accout to provide your cliets with a iovative solutio that ca streamlie ad simplify their bakig. Whether your cliets are first-time homebuyers, refiacig or wat a more coveiet or itegrated way of bakig, there s a rage of competitive mortgage choices with Maulife Bak Select. Maulife Oe for Busiess Maulife Oe for Busiess is Caada s first all-i-oe mortgage accout for busiess properties. As a lie of credit, Maulife Oe for Busiess offers cliets access to accumulated equity i their property (up to their borrowig limit), the flexibility to deposit oly the mothly iterest owig or more at ay time to reduce their debt ad allows them to save iterest costs immediately whe they deposit retal or other reveue directly ito the accout. Credit Card Maulife Bak mba rewards MasterCard credit card Give your cliets Maulife Bak's mba rewards MasterCard credit card ad, with every et retail purchase they make, they'll ear mba rewards poits that ca be used for travel, merchadise, gift certificates, charitable doatios ad the Maulife Bak Cash Reward. Ad, you ear compesatio. Ad With Maulife Bak Select, your cliets ear a high rate of iterest o every dollar i their accout. Maulife Bak Select Creditor Isurace Creditor isurace ca be a valuable additio to idividual isurace or be a "gap" solutio util you ca assess a cliet s overall isurace eeds. All ew ad existig Maulife Bak Select cliets may apply for creditor isurace, which provides life, disability ad job-loss protectio for their mortgage balace. 5
6 Deposit products Advatage Accout Advatage Accout is a high-iterest, low-fee chequig accout that requires o miimum deposit. It features the liquidity of a traditioal chequig accout ad a iterest rate similar to a short-term GIC or moey market fud. Advatage Accout s features ad beefits are urivalled i the marketplace. Tax-Free Advatage Accout Tax-Free Advatage Accout is a high-iterest ivestmet accout that offers a tax-free way to save for both short-term ad log-term goals. The moey is ot locked-i ad ca be used for ay purpose. Cliets ear a high rate of iterest ad they ca keep it all for themselves. Busiess Advatage Accout Busiess Advatage Accout is a high-iterest ivestmet accout that is a ideal complemet to a traditioal operatig accout. Busiess owers ca trasfer or deposit excess cash ito the accout ad easily access it agai whe they eed it. Cliets ear a high rate of iterest without havig to maage T-bills or buy moey market fuds. Registered Advatage Accout Registered Advatage Accout is a high-iterest ivestmet accout that offers a short-term alterative to meet your cliets RRSP eeds. Whether it's givig them time to determie a log-term strategy, or used as a high iterest compoet of their low-risk registered portfolio, it s a excellet alterative to moey market fuds ad short-term GICs. $US Advatage Accout Guarateed Ivestmet Certificates Maulife Bak ad Maulife Trust offer some of the best GIC rates i Caada. With a miimum deposit of $2,500 ($10,000 for mothly iterest), cliets ca get a 1-5 year GIC. Short-term Deposits Maulife Bak ad Maulife Trust Short-term Deposits ( day GICs) allow ivestors to ivest at a fixed rate for less tha a year without "lockig-i" the deposit. Ivestmet Savigs Accout Maulife Bak ad Maulife Trust Ivestmet Savigs Accouts (icludig F-Class ad $US accouts) eable you to offer your o-book (omiee ame) cliets coveiece ad growth for their cash. It will be earig oe of the best returs for a savigs accout with simple access features. $US Advatage Accout is a high-iterest ivestmet accout that ca help your cliets U.S. cash cotiue to grow util it s eeded. $US Busiess Advatage Accout $US Busiess Advatage Accout works i cojuctio with a busiess' existig $US accout at a Caadia fiacial istitutio ad provides a high rate of iterest for every U.S. dollar o deposit. 6
7 How to cotact us Advisor support We re here to support you i offerig your cliets the best products ad services available. If you have questios regardig Maulife Bak ad our products, or would like to order marketig materials, please call our advisor support lie at (Optio 1). Our Busiess Developmet Directors Busiess Developmet Directors are here to provide you with product traiig, sales support ad advice as you meet your cliets eeds. Call your local Busiess Developmet Director at (Optio 2) for the support ad resources you eed to help your cliets achieve their fiacial goals. Visit mymaulifebak.rep.ca to fid your local Busiess Developmet Director. Our Bakig Cosultats Bakig Cosultats are your mortgage specialists. They will do all the work to close the sale with your select cliets. To fid the complete list of Bakig Cosultats across Caada, visit maulifeoe.ca. Visit our advisor website Repsource, at maulife.ca/repsource, is Maulife's website for advisors. It is your primary source for marketig, product ad cliet iformatio for Maulife Bak products ad Maulife Trust products. Cliet services Phoe: Fax: maulife_bak@maulife.com Website: maulifebak.ca Mailig address Maulife Bak of Caada Delivery Statio 500 M-A 500 Kig St. North PO BOX 1602 STN WATERLOO Waterloo, Otario N2J 4C6 7
8 Savigs ad debt maagemet products are a essetial part of a successful fiacial pla. That s why we offer our products through fiacial advisors. Sice every cliet has uique fiacial eeds, their advisor ca itroduce products to help them achieve their goals sooer. Maulife Trust is a wholly owed subsidiary of Maulife Bak. Maulife Bak is wholly owed by Maulife Fiacial, oe of Caada s largest ad most respected fiacial istitutios. Our iovative products ad great rates help Caadias make their moey work harder ad give them access to cash for their fiacial eeds. * Borrowig to ivest may be appropriate oly for ivestors with higher risk tolerace. Your cliets should be fully aware of the risks ad beefits associated with ivestmet loas sice losses as well as gais may be magified. Preferred cadidates are those willig to ivest for the log term ad ot averse to icreased risk. The value of your cliet's ivestmet will vary ad is ot guarateed, however they must meet their loa ad icome tax obligatios ad repay their loa i full. Please esure cliets read the terms of their loa agreemet ad the ivestmet details for importat iformatio. Maulife Bak of Caada solely acts i the capacity of leder ad loa admiistrator, ad does ot provide ivestmet advice of ay ature to idividuals or Advisors. The Dealer ad Advisor are resposible for determiig the appropriateess of ivestmets for their cliets ad iformig them of the risks associated with borrowig to ivest. MBNA Caada Bak is the exclusive issuer ad admiistrator of the MBNA Platium Plus WorldPoits credit card program i Caada. MBNA, MBNA Caada, MBNA Caada Bak, MBNA Platium Plus,WorldPoits, the MBNA logo ad tree symbol are all trademarks of MBNA America Bak, N.A., used by MBNA Caada Bak pursuat to licece. Trade-mark of Iterac Ic. Used uder licese. For more iformatio, please visit maulifebak.ca Products are offered through Maulife Bak of Caada ad Maulife Trust Compay. Maulife, Maulife Bak, the Maulife Bak For Your Future logo, the Block Desig, the Four Cubes Desig, ad Strog Reliable Trustworthy Forward-thikig are trademarks of The Maufacturers Life Isurace Compay ad are used by it, ad by its affiliates uder licese. AB0405E (08/2012)
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