Investment Savings Account A safer way to grow your clients’ cash Name, DESIGNATION Title, Company Name Date

Agenda  Manulife Bank and Manulife Trust  What is an Investment Savings Account?  Benefits of an Investment Savings Account  Investment Savings Account solutions  Important notes  Questions?

Manulife Bank  Member of Canada Deposit Insurance Corporation (CDIC)*  A Schedule 1 Bank, wholly owned subsidiary of Manulife Financial  More than $20.9 billion in high-quality assets  Short-term deposits received the coveted A-1+ rating from Standard and Poor’s  Working with financial advisors since 1993 *Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.

Manulife Trust  A federally chartered trust company  Launched September 13, 2010  Wholly owned subsidiary of Manulife Bank  Licensed to operate in all provinces and territories in Canada  Manulife Trust is a member of the Canada Deposit Insurance Corporation (CDIC)*  Staff are shared across Manulife Bank and Manulife Trust *Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.

What is an Investment Savings Account?  High-interest investment account  Available through FundSERV  Available for on-book (nominee name) accounts in tax types supported by your dealer  Available in Canadian or U.S. dollars*  Can be held in registered or non- registered accounts *Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.

A-Class accounts Investment Savings Accounts A-Class  Manulife Bank A-Class FundSERV code is MIP510  Current rate 1.25%*  Manulife Trust A-Class FundSERV code is MIP710  Current rate 1.30%*  Canadian-dollar account  25 bps annual trailing commission  Paid monthly to the dealer based on the average monthly balance in the account** *Interest rates are as at June 6, 2012 and are applied to all funds in the respective account. Interest is calculated on the total daily closing balance and paid monthly. Rates are subject to change without notice. **As at June 21, 2012, 25 bps compensation is paid to the dealer on the average monthly account balance. For additional information, talk to your Dealer. Compensation is subject to change without notice

F-Class accounts Investment Savings Accounts F-Class  Manulife Bank F-Class FundSERV code is MIP610  Current rate 1.50%*  Manulife Trust F-Class FundSERV code is MIP810  Current rate 1.55%*  Canadian-dollar account  For fee-based programs  No compensation is paid** *Interest rates are as at June 6, 2012 and are applied to all funds in the respective account. Interest is calculated on the total daily closing balance and paid monthly. Rates are subject to change without notice. **As at June 21, 2012, no compensation is paid to the dealer on the average monthly account balance. For additional information, talk to your Dealer. Compensation is subject to change without notice

US$ A-Class account US$ Investment Savings Account A-Class  Manulife Bank FundSERV code is MIP511  Current rate 0.20% 1  25 bps annual trailing commission  Paid monthly to the dealer based on the average monthly balance in the account 2  US$ Investment Savings Account is not insured by the Canada Deposit Insurance Corporation 3 1 Interest rates are as at June 6, 2012 and are applied to all funds in the respective account. Interest is calculated on the total daily closing balance and paid monthly. Rates are subject to change without notice. 2 As at June 21, 2012, 25 bps compensation is paid to the dealer on the average monthly account balance. For additional information, talk to your Dealer. Compensation is subject to change without notice. 3 US$ Investment Savings Accounts are not insured by the Canada Deposit Insurance Corporation.

US$ F-Class account US$ Investment Savings Account F-Class  Manulife Bank FundSERV code is MIP611  Current rate 0.45% 1  For fee-based programs  No compensation is paid 2  US$ Investment Savings Account is not covered by the Canada Deposit Insurance Corporation 3 1 Interest rates are as at June 6, 2012 and are applied to all funds in the respective account. Interest is calculated on the total daily closing balance and paid monthly. Rates are subject to change without notice. 2 As at June 21, 2012, no compensation is paid to the dealer on the average monthly account balance. For additional information, talk to your Dealer. Compensation is subject to change without notice. 3 US$ Investment Savings Accounts are not insured by the Canada Deposit Insurance Corporation.

Benefits of an Investment Savings Account  Security  The stability of a bank account  Account value is not affected by market fluctuations  Standard & Poor’s Ratings Services has assigned an ‘A-1+’ short-term counterparty credit rating to Manulife Bank of Canada  CDIC coverage for Manulife Bank Investment Savings Accounts*  CDIC coverage for Manulife Trust Investment Savings Accounts* *US$ Investment Savings Accounts are not insured by the Canada Deposit Insurance Corporation.

Benefits of an Investment Savings Account  Convenience  Available through FundSERV  Can be easily integrated into client’s on-book portfolio (nominee name)  No maturity dates to manage  Provides liquidity as money is never locked-in — Transactions settle the following business day on T+1

Benefits of an Investment Savings Account  Convenient alternative to:  Money Market Funds  Short-term GICs  Treasury Bills  Banker’s Acceptances

Investment Savings Account overview Product FundSERV Code Rate Offered by Compensation Investment Savings AccountMIP %* Manulife Bank 25 bps per year paid monthly or quarterly** Investment Savings Account F-ClassMIP %* Manulife Bank No compensation $US Investment Savings Account 1 MIP %* Manulife Bank 25 bps per year paid monthly or quarterly**, compensation is paid in U.S. dollars. $US Investment Savings Account F-Class 1 MIP %* Manulife Bank No compensation Investment Savings AccountMIP %* Manulife Trust 25 bps per year paid monthly or quarterly** Investment Savings Account F-ClassMIP %* Manulife Trust No compensation paid *Interest rates are as at June 6, 2012 and are applied to all funds in the respective account. Interest is calculated on the total daily closing balance and paid monthly. Rates are subject to change without notice. **As at June 21, 2012, 25 bps compensation is paid to the dealer on the average monthly account balance. For additional information, talk to your Dealer. Compensation is subject to change without notice. 1 US$ Investment Savings Accounts are not insured by the Canada Deposit Insurance Corporation.

Investment Savings Account vs. Median Money Market Fund *Source: Globefund.com Past results do not indicate future results. Interest rate is variable and subject to change. Example for illustrative purposes only. Annual Return on Investments

Benefits of an Investment Savings Account  Growth  No fees  No minimum deposit or minimum holding period  High rate of interest paid on every dollar in the account  Returns are typically higher than money market funds* *Mutual Fund Securities are not covered by the Canadian Deposit Insurance Corporation.

Investment Savings Account performance  The Investment Savings Account has historically provided competitive short-term returns  Consider our returns over the last 5 years when compared to Treasury Bills Example for illustrative purposes only.

Investment Savings Account solutions As the cash portion of a diversified portfolio  Most clients hold a portion of their portfolio in a cash investment for diversification  Investment Savings Account offers a great rate of return with the security and liquidity that clients may need

Investment Savings Account solutions As a holding account during market volatility  Clients may choose to liquidate a portion of their investments until a more attractive investing opportunity presents itself  Investment Savings Account can offer convenience and liquidity to move out of the account and into another investment when the opportunity arises

Investment Savings Account solutions As a core registered holding  Can be held in a broad range of registered accounts  Has the ability to provide the growth and security required for the cash component of a registered plan during the accumulation phase  Could provide the liquidity needed to support an income stream in retirement

Important notes Only available to Canadian residents. Only available for on-book (nominee name) accounts. Available transactions are deposits (purchases) and withdrawals (redemptions) All transactions are completed via the Fundserv network. ABM withdrawals, debit purchases, chequing, etc. are not available Contact Manulife Bank Treasury prior to making deposits or withdrawals of more than $2 million Manulife Bank of Canada is a member of Canada Deposit Insurance Corporation. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act. Investment Savings Account A-Class, Investment Savings Account F-Class, US$ Investment Savings Account A-Class and US$ Investment Savings Account F-Class are offered through Manulife Bank of Canada. Manulife, Manulife Bank, Manulife Trust, the Manulife Bank For Your Future logo, the Manulife Trust For Your Future logo and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. This presentation and its contents are protected by copyright and may not be copied, reproduced, displayed or posted in any form or by any means without the prior written consent of the Manulife Bank of Canada. A variable annual rate is applied to all funds in the account. Interest is calculated daily on the closing balance and paid monthly. Rates subject to change without notice. There is no monthly maintenance fee, no fee for phone or online transfers. $0.50 fee for online bill payments. $1.50 fee per cheque written. Fees subject to change. Visit for a complete schedule of service charges and fees or call As at March 22, 2012, Standard & Poor's Manulife Bank ratings are A+ (long term) and A-1 (short term) with a Stable Outlook. A long-term issuer credit rating of A indicates a “strong capacity to meet its financial commitments”. A is the third highest rating out of 10. A short-term issuer credit rating of A-1 denotes “a strong capacity to meet its financial commitments.“ A-1 is Standard & Poor‘s highest short term rating category.Standard & Poor's

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