Better options for your clients’ short-term needs Audience Advisor Length 0.5 Hours Creator Manulife Bank Product and Marketing CE Credit Reference # Governing Body Number of Credits & Category Credit Number CE Credit valid until… Info on all presentations available via Accelerator  CE Credits  governing body  open spreadsheet & press control + F to find reference # Advocis 0.5 CE Credits IAS October 24, 2014 CSF (La Chambre)1 in General SubjectCSF September 30, 2014 IIROC0.5 PK/PD-December 31, 2014 Important to note: Dates and rates must be updated on the following slides: 7, 8

Better options for your clients’ short-term needs: Manulife Bank Access Line of Credit Name, DESIGNATION Title, Company Name Date

Anticipate your clients’ borrowing needs  Most clients who borrow money will:  Run up a balance on credit card(s)  Call their local bank  Liquidate their investments  In all three cases, your clients’ financial stability, and relationship with you, is at risk  This situation can be prevented by planning ahead

Anticipate your clients’ borrowing needs  Most clients will one day have a need to borrow money  Many may already have that need today  Discussing borrowing needs now can help your clients:  Manage debt  Save money  Gain access to cash when they need it

Meet clients borrowing needs with a Line of Credit  Rainy Day Account  Provides security while your client’s other financial assets are working hard for their future  Debt consolidation  Low floating rate helps clients consolidate high-interest debt(s)

Meet client borrowing needs  Keep their investment plan on track  By meeting short-term cash needs, clients will keep investment plans intact  Investment Leverage  Clients can leverage their existing non-registered, or where permitted, TFSA investments

A win for your clients  Cost savings  Zero cost to your client until it’s used  When used, interest rate is better than most unsecured loans or credit cards

A win for your clients  Convenience  Clients won’t have to scramble for credit when the need arises.  Quick access to cash through:  Cheques  Online transfers  ABM withdrawals and even debit purchases

A win for you  Client retention  Reduce the chance a competitor will meet your client’s future borrowing needs  Demonstrate the value of your advice by helping meet clients’ future needs  Compensation  Access Line of Credit  Earn $100 in up-front compensation for each line of credit opened  Access Line of Credit Plus  Earn 20 bps* annual compensation *Paid monthly on the minimum monthly balance

Manulife Bank Access Line of Credit  Available exclusively for Manulife clients:  Manulife Financial  Manulife Bank  Manulife Securities  Helps you provide solutions for all of your clients’ financial planning needs

Access Line of Credit  Amounts between $5,000 and $100,000  Secured by non-registered, or where permitted, TFSA assets, at Manulife Financial, Manulife Bank or Manulife Securities  Limited underwriting  No margin calls  Interest rate is Manulife Bank Prime Lending Rate + 1%*  Repayment – interest only (paid monthly)  Personal lines of credit only *The Annual Interest Rate for Access Line of Credit is 0.00% as at October 14, Rates are variable and subject to change. Other charges may also apply.

Access Line of Credit Plus  Amounts of $100,001 or more  Secured by non-registered, or where permitted, TFSA assets, at Manulife Financial, Manulife Bank or Manulife Securities  Full underwriting  Margin calls only if line of credit reaches 85% of cash surrender value for Life insurance policies (excluding self-funding policies)  Interest rate is Manulife Bank Prime Lending Rate + 1%*  Repayment – interest only (paid monthly)  Personal and Corporate lines of credit are available *The Annual Interest Rate for Access Line of Credit Plus is 0.00% as at October 14, Rates are variable and subject to change. Other charges may also apply.

Security options  Manulife products:  Manulife Segregated Fund contracts  Manulife Mutual Funds accounts  Manulife Securities Nominee Name accounts  Manulife Bank GICs and deposit accounts  Manulife Investments GICs  Manulife life insurance policies  With a cash surrender value

Getting started  To learn more, contact the Business Development Director in your area at  Application Forms are available on Repsource  Access Line of Credit – AB0176  Access Line of Credit Plus – AB0229  Submit to Manulife Bank along with appropriate security documentation

Important notes Borrowing to invest may be appropriate only for investors with higher risk tolerance. Your clients should be fully aware of the risks and benefits associated with investment loans since losses as well as gains may be magnified. Preferred candidates are those willing to invest for the long term and not averse to increased risk. The value of your client's investment will vary and is not guaranteed however they must meet their loan and income tax obligations and repay their loan in full. Please ensure clients read the terms of their loan agreement and the investment details for important information. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator and does not provide investment advice of any nature to individuals or advisors. The dealer and advisor are responsible for determining the appropriateness of investments for their clients and informing them of the risks associated with borrowing to invest. Access Line of Credit and Access Line of Credit Plus are offered through Manulife Bank of Canada. Manulife, Manulife Bank, the Manulife Bank 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.

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