1. Manulife Investments Guaranteed Interest Contract (GIC) Offering more choice and flexibility Advisor Overview

2. Welcome to the Manulife Investments GIC Advisor Overview!
Not all GICs are created equal…
Choice of six different investment options
Unique product advantages and features, along with insurance company benefits
Retirement income features are designed to allow retired clients flexibility in their retirement income plan
Unique sales ideas and excellent product support materials

3. Manulife Investments GIC
Choose from six different investment options:
Basic GIC Account
Basic Non-Cashable GIC Account
Laddered GIC Account
Escalating Rate GIC Account
Market Growth GIC Account (offered during limited time periods only)
Daily Interest Account
Multiple investment options are available in one contract for
a given registration type.
$2,500 contract minimum.
$5,000 for 5-Year Laddered Account ($10,000 for 10-Year Laddered Account), Escalating Rate Account, and Market Growth Account.

4. Basic GIC Account
The Basic GIC Account is a cashable investment option that
provides:
The security of guaranteed rates
6 month to 10-Year Terms (up to 30 years for a RRIF)
Flexibility to cash-in if needed (surrender charges may apply if withdrawn prior to the maturity date)

5. Basic GIC Account (continued)
One of the strongest selling features of the Basic GIC Account is
the unique ½ year bonus. By selecting six months past a standard
length term, your client will earn the next term’s rate.*
(For example: 4 ½ year term = 5 year rate)
Minimum of $1,000 per account
Available for ALL tax types
Non-registered annual, semi-annual, quarterly, and monthly interest options are available at reduced rates in most cases
Interest is allocated to the Daily Interest Account
*This does not apply to terms from six to 12 months less one day.

6. Basic Non-Cashable GIC Account
The Basic Non-Cashable GIC Account is designed to enhance your
client’s guaranteed rate of interest
Similar to Bank and Trust Company GICs in terms of non-cashability
Rates will be higher than the Basic GIC Account (Cashable)
No ½ year rate bonus. Any non-integral term will receive the lowest term rate. For example a 2-Year, 11-Month term will receive the 2-Year rate
6 month to 10-Year terms available

7. Basic Non-Cashable GIC Account (continued)
Minimum of $1,000 per term
Available for non-registered and RRSP/LIRA tax types (not for RRIF/LIF/LRIF/PRIF/RLIF or TFSA)
Non-registered annual, semi-annual, quarterly, and monthly interest options are available at reduced rates in most cases.
Interest is allocated to the Daily Interest Account.

8. Laddered GIC Account
A convenient way to automatically diversify your clients’ GICs.
A portion matures each year and is reinvested at attractive long-term rates
Automated way to easily ladder a client’s GIC portfolio
A portion of the investment comes due every year, thereby reducing exposure to fluctuating interest rates
1-5-Year or 1-10-Year Basic Account terms all set-up with the same initial rate

9. Laddered GIC Account (continued)
Purchase Minimums:
$5,000 for the 5-Year Laddered Account ($1,000 per term)
$10,000 for the 10-Year Laddered Account ($1,000 per term)
Available for ALL tax types
Non-registered annual, semi-annual, quarterly, and monthly interest options are available at reduced rates in most cases
Interest is allocated to the Daily Interest Account

10. Laddered GIC Account $50,000 5-Year Laddered Account 1 Yr - 2.15%
New 5 Yr Basic Acct
$10,000
2 Yr %
New 5 Yr Basic Acct
$10,000
3 Yr %
New 5 Yr Basic Acct
$10,000
4 Yr %
New 5 Yr Basic Acct
$10,000
5 Yr %
New 5 Yr Basic Acct
$10,000
For illustration purposes only. Rates as at January 27, Investment divided equally into 1-5 year terms at the same initial interest rate. On maturity, each term is reinvested into a new 5 year term at current Basic Account rates.

11. Escalating Rate GIC Account
For clients who would like increasing interest rates each year…
3 or 5 year terms available
Client will receive an increasing rate each year of the term
Offers higher rates in later years
The average yield to maturity for the term will be greater than the equivalent Basic Account term rate
Available for RRSP/LIRA/TFSA tax types ONLY
Not available for non-registered or RRIF/LIF/LRIF/PRIF/RLIF

12. Escalating Rate GIC Account
$10,000 3-Year Escalating Rate Account
3.00%
3rd Year
1.40%
2nd Year
0.60%
1st Year
For illustration purposes only. Rates as at January 27, Average rate over the term is 1.66%, which is higher than the rate of 1.60%, applicable to a 3-Year Basic Account (as at January 27, 2011). Rate increases every year of term.

13. Market Growth GIC Account
For clients who want the growth potential of market based investments, while guaranteeing their principal
The Market Growth GIC Account is a unique product intended to diversify the investment portfolio
Offered during limited time periods
Available for RRSP/LIRA tax types ONLY

14. Daily Interest Account
A cashable account for clients who require easy access to their
investments:
Client’s money can be consolidated for future investment purchases.
Variable daily rate with interest credited monthly
Interest from non-registered, simple interest terms are automatically deposited into the Daily Interest Account
PAC deposits are made to the Daily Interest Account
Funds can be transferred to a GIC account once the account minimum has been reached
Funds may be withdrawn at anytime without charge
Available for all tax types

15. Registered Types – Comparison Table
Account Type
Non-Registered
Registered (RRSP, LIRA)
Retirement Income (RRIF/LIF/ LRIF/PRIF)
TFSA
Basic (cashable)
Basic non-cashable
Laddered
Escalating Rate
Daily Interest Account
Market Growth
Any accounts of the same registration may be held in the same contract.

16. Benefits of Manulife Investments GICs
Competitive rates
Attractive advisor commissions
Superior rate guarantee programs
Flexible retirement income options
Powerful insurance company benefits

17. Competitive Rates and The Large Case Program
Competitive rates and ways to enhance client rates:
Posted cashable rates are competitive with peer insurance companies
Posted non-cashable rates are competitive with bank and trust company broker rates
Large Case Program:
Clients may qualify for enhanced rates for reinvestments and new money on any amount if total GIC assets invested with Manulife Investments are $500,000 or greater (spouses combined assets are considered)
Special rates through the Large Case Program – contact the Call Centre for a quote on a Large Case
Amounts greater than $100,000 that qualify for large case rates will receive better enhancements than amounts less than $100,000 (total assets must equal $500,000 or more)

18. Competitive Rates and The Large Case Program
Advisor Rate Discretion:
Advisors may trade ‘rate for commissions’ in order to enhance the rates for the client. This assists in attracting new business or retaining current business

19. Commission rate per year of term
What’s in it for you?
Commission rate per year of term
Paid…
Basic
0.40% (max 10 years)
up-front
Basic Non-Cashable
0.20%
Laddered
0.40% 5-Year total = 1.20% 10-Year total = 2.20%
Escalating Rate
0.40%
Market Growth
0.50%
Daily Interest
Monthly (calculated daily)
Increase any posted term rate with a corresponding reduction in commissions if required.

20. Advisor Rate Discretion
Advisors may trade “rate for commission” in order to attract new or retain existing investments
No prior Head Office approval is required
For the Basic (1-10-Year Terms), Laddered, and Escalating Rate GIC Accounts, posted rates may be increased by as much as 0.40%
For the Basic Non-Cashable GIC Account, posted rates may be increased by as much as 0.20%
Use ONLY when necessary

21. Superior rate guarantee programs
Rate Guarantee Programs apply to both registered and non-
registered money!
New Deposits:
Once locked-in, the rate is guaranteed for up to 30 days until funds are received
Reinvestments:
Lock-in a “better of” rate up to 30 days prior to a term maturity
If the term rate is higher on the renewal date, client gets the higher rate!
“Better of” program is not automatic and must be requested by either the Advisor or the client.

22. Flexible retirement income options
A wide range of options for payment frequency, amounts, funding, and withholding tax
Capital erosion allowed for scheduled payments
10% free annual cash withdrawals

23. Flexible retirement income options continued …
Choose from Monthly, Quarterly, Semi-Annual, or Annual payment frequencies
Unique payment funding allows clients to choose from:
Payments funded from lowest rate term first (interest first then principal)
Payments are pro-rated across all terms
Scheduled payments can be higher than interest earned on terms with no withdrawal penalties
In addition to scheduled payments, once a year clients are allowed to take a charge-free, unscheduled withdrawal (into income) up to 10%, to a maximum of $10,000, of the value of their Basic and Laddered GIC Accounts

24. On-line RRIF Illustration software
Add more value with the GIC RRIF Illustration
Produce PDF illustration reports that are customized for each client
Project individual term maturity values
Illustrate the direct impact of “pro-rated across all terms” vs. “lowest rate term first” withdrawal order options
No software downloads for installation or updates required
Available on Repsource

25. Sales ideas Higher rates and compensation using ½ year rate bonus!
Add 6 months to a standard length Basic Account term
(i.e. 1 ½ year Basic Account term = 2 year rate)
Take the guesswork out of GIC investing!
Stop worrying about fluctuating interest rates with a Laddered GIC Account

26. Powerful insurance benefits
Potential creditor protection
Non-registered tax advantages
Powerful estate planning opportunities
Manulife is a member of Assuris. Visit for more details

27. Insurance benefits… more details
Potential creditor protection - the GIC investment may be protected
from creditors in the event of bankruptcy
Non-registered tax advantages - policy year tax reporting will allow
your client to delay paying tax on the interest earned for up to a year. If
the client is 65 years of age or older, the interest income will qualify for
an annual pension income tax credit and for pension income
splitting purposes
Powerful estate planning opportunities - upon death, named
beneficiaries receive the GIC proceeds (including interest) privately*,
without charges, and avoiding probate and estate fees
Invest in a strong partner with demonstrated financial success -
GICs are backed by the strength of Manulife Financial. Manulife is a
member of Assuris. Visit for more details
*Not applicable in Saskatchewan.

28. Marketing Support For Marketing Support, go to Repsource
Client brochures and mailers
Current rates
Product guide
Administration forms

29. FOR ADVISOR USE ONLY
This information is for Advisor use only and should not be used with
clients or potential clients.
The Manufacturers Life Insurance Company is the issuer of the Manulife
Investments Guaranteed Interest Contract (GIC).
Manulife, Manulife Investments, the Manulife Investments For Your Future logo, the Block Design, 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.

30. FOR ADVISOR USE ONLY
To complete this learning module and earn CE credits, please
review the GIC Quick Reference Guide and then take the Quiz.

31. Thank you