Security for your portfolio Peace of mind for you

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1 GICs - Security for your portfolio, peace of mind for you Guaranteed Interest Contracts (GICs) provide you with key benefits you re looking for: a solid foundation for your investment portfolio reducing overall portfolio risk and providing you with more consistent returns a positive rate of return guaranteeing that at least part of your portfolio is continually growing peace of mind you ll rest easy knowing that your principal is safe and secure a broad range of investment choices for both short-term flexibility and long-term security Security for your portfolio Peace of mind for you Manulife Investments is the brand name identifying the personal wealth management lines of business offered by Manulife Financial and its subsidiaries in Canada. As one of Canada s largest integrated financial services providers, Manulife Investments offers a variety of products and services including: segregated funds, mutual funds, annuities and guaranteed interest contracts. Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation. Manulife Investments GIC MK1487E (01/2004) Manulife Investments GIC More than your typical GIC

2 Manulife Investments GIC Innovative features that meet your investment needs When you re considering GICs, your advisor can: 1. enjoy greater choice and flexibility a unique suite of GIC investment options with a wide range of terms and maturity dates 2. benefit from rate guarantees on new investments interest rates can be guaranteed for up to 30 days when you move money from another financial institution to Manulife Investments 3. select income payments geared to your needs the choice of monthly, quarterly, semi-annual or annual income payments, plus several RIF payment options 4. use better-of rate guarantees on renewals lock-in interest rates up to 30 days prior to the maturity of your Manulife Investments GIC account; if the rate in effect on the day of your renewal is greater than the guaranteed rate, you receive the higher rate 5. protect your investments from creditors your funds may be protected from creditors under certain circumstances 6. save or defer taxes on your nonregistered GIC policy year tax reporting allows you to delay paying tax on interest earned for up to one year; in addition, you may qualify for an annual $1,000 pension income tax credit if you re 65 or older 7. save time and money for your beneficiaries the value of your investments can be paid directly and privately to your named beneficiaries in the event of death, eliminating costly estate fees and lengthy delays 8. ensure a solid rate of return you can receive all these benefits plus a very competitive interest rate 9. invest with confidence your GIC is backed by the strength of Manulife Financial, plus the added security of investment protection through the Canadian Life and Health Insurance Compensation Corporation (CompCorp). Search for the best GIC products and interest rates Offer GIC products that aren t available directly to investors Ensure the right product fit for your overall financial plan, taking into account your financial situation, risk tolerance and goals Customize solutions to meet your unique investment needs, taking into consideration: Which type of investment best meets your objectives? Should you lock-in or keep your money accessible? What length of GIC term is right for you? How should you diversify your investments? Together with Manulife Investments, your advisor will help you find the financial solutions that work best for you and help you get the most out of life. The Manufacturers Life Insurance Company is the issuer of the Manulife Investments Guaranteed Interest Contract (GIC).

3 Basic GIC Account A cashable GIC investment that offers you the security of guaranteed interest rates but also the flexibility to cash-in if the need arises Available half-year rate bonus add six months to a standard length term and get the next year s rate (e.g. a 2 1/2 year term would receive the standard 3 year rate) Interest can compound to maturity or, for a nonregistered GIC contract, be credited monthly, quarterly, semi-annually or annually to the Daily Interest Account Pick any maturity date you desire Cashable in whole or in part at any time* You can plan your maturity dates to line up with future investment plans, expenditures or lifestyle changes You can earn a higher interest rate by simply adding six months to a standard length term Your funds are available to you at any time when you need them* *Early redemption surrender fees may apply. Withdrawals may be subject to legislative or contractual restrictions. Additional information is available from your advisor. Terms from 6 months to 10 years (up to 30 years for registered retirement income GICs)

4 Laddered GIC Account A GIC investment that will automatically diversify your portfolio, by ensuring that a portion matures each year and is reinvested at attractive long-term rates Your investment is evenly divided into multiple term lengths, all receiving the same initial competitive interest rate (i.e. into 1, 2, 3, 4 and 5-year terms) Laddered terms of 1 to 5 years, or 1 to 10 years A portion of your investment matures each year and can either be automatically reinvested into 5 or 10-year terms, invested in a different term length or withdrawn Interest can compound or, for a non-registered GIC contract, be credited monthly, quarterly, semi-annually or annually to the Daily Interest Account Cashable in whole or in part at any time* You have greater protection against fluctuating interest rates in the future One attractive initial interest rate for all your investment terms Your GIC investments can renew automatically into attractive long-term rates, with minimal involvement by you our funds are available to you at any time when you need them* *Early redemption surrender fees may apply. Withdrawals may be subject to legislative or contractual restrictions. Additional information is available from your advisor.

5 Escalating Rate GIC Account A GIC investment that provides you with increasing interest rates each year Guaranteed increasing rates for each year of the term Very attractive interest rates for the final years of the term Interest will compound to maturity Cashable in whole or in part at any time* Terms of 3 or 5 years Regardless of whether interest rates rise or fall, the rate on your Escalating GIC investment is guaranteed to increase during each year of the term You can lock-in now to guarantee higher interest rates in later years Your funds are available to you at any time when you need them* *Early redemption surrender fees may apply. Withdrawals may be subject to legislative or contract restrictions. Additional information is available from your advisor.

6 Market Growth GIC Account A GIC investment that enables you to participate in the growth potential of market-based investments, while guaranteeing your principal Links your returns to market-based investments selected by Manulife Investments Investment growth during the term is credited on the maturity date* Your principal investment is 100% guaranteed at the maturity date Non-cashable during the term Offered by Manulife Investments during limited time periods You can participate in the growth potential of market-based investments and your principal is 100% guaranteed Enables you to diversify your GIC portfolio and to benefit from a unique investment type, while guaranteeing your principal * Interest is based on the performance of a market-based investment, and is credited on the maturity date. At any date prior to the maturity date, the interest is zero and the value of the investment is the principal amount.

7 Daily Interest Account A GIC account that provides easy access to your money, without fees A short-term holding account Money is available anytime without fees Interest is compounded daily and credited monthly A convenient place to park your money while you take time to make longer-term investment decisions Gives you access to your money anytime without fees, to meet your short-term liquidity needs Also useful if you want to consolidate your funds for future investment purchases

8 Retirement Income Features You can enjoy additional retirement income benefits with the Manulife Investments GIC Choose from Basic (cashable), Laddered or Daily Interest Account investment types Select from several payment frequency options monthly, quarterly, semi-annual or annual Scheduled payment amount options choose the government prescribed minimum or maximum, level or indexed payments Withdrawal order options choose to have proportional payments drawn from all GIC investments in your contract, or using the interest first from the GIC investments with the lowest rates Provides you with a wide range of flexible options for payment frequency, payment amounts, withdrawal orders and withholding tax Ability to change your payout options as your needs change Greater access to your money with additional 10% free annual cash withdrawals Automatic payments are conveniently deposited to your bank account Flexible withholding tax options you choose the tax rate, subject to minimums Payments deposited directly to your bank account Free annual cash withdrawal option in addition to scheduled payments, you can withdraw up to 10% of the total plan value once per year, to a maximum of $10,000, without charge