Grow your business

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

Product features

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

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 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 RRSP and DPSP features

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10 RRSP and DPSP features  Immediate vesting, or

Plan design

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 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 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

Investment fund line up

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  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 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

Completing the eApplication

20 Easy set-up 1. Complete the eApplication  Go to 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 ed 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 ed 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

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Hosting enrolment sessions

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 Steps retirement program

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

Ongoing sponsor support and services

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

Commission

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 %0.30%1.5%0.30%0.50%

Thank you