Security for your portfolio. Peace of mind for you.

Guaranteed Interest Certificates (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: Basic, Laddered, Escalating Rate, Market Growth, Daily Interest Account, Creditor Protection

The Manufacturers Life Insurance Company is the issuer of the Manulife Investments GIC.

Basic GIC Account

A cashable GIC investment that offers you the security of a guaranteed interest rate -- but also the flexibility to cash-in if the need arises.

Key Features

• Available half-year rate bonus - add six months to a standard lenth term and get the next year's rate (i.e. a two-and-a-half-year term would receive the standard three-year rate).
• Interest can compound to maturity or, for a non-registered GIC account, be credited monthly, quarterly, semi-annually or annually to the Daily Interest Account.
• Maturity date - Choose any maturity date you desire.
• Cashable in whole or in part, at any time*.
• Terms from one to 10 years (up to 30 years for registered retirement income GICs).

How You Benefit

• 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 contract restrictions. Additional information is available from your advisor.

The 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.

Key Features

• Your investment is evenly divided into multiple term lengths, all receiving the same initial competitive interest rate (i.e. into one-, two-, three-, four- and five-year terms).
• Laddered terms of one to five years or one to ten years.
• A portion of your investment matures each year and can either be automatically reinvested into five- or 10-year terms or withdrawn.
• Interest can compound to maturity or, for a non-registered GIC account, be credited monthly, quarterly, semi-annually or annually to the Daily Interest Account.
• Cashable in whole or in part, at any time*.

How You Benefit

• 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.
• 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.

Escalating Rate GIC Account

A GIC investment that provides you with increasing interest rates each year.

Key Features

• 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 three or five years.

How You Benefit

• 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.

Market Growth GIC Account

A GIC investment that enables you to participate in the growth potential of market-based investments while guaranteeing your principal.

Key Features

• 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.

How You Benefit

• 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.

Daily Interest Account

A GIC account that provides easy access to your money, without fees.

Key Features

• A short-term holding account.
• Money is available any time without fees.
• Interest is compounded daily and credited monthly.

How You Benefit

• A convenient place to "park" your money while you take time to make longer-term investment decisions.
• Gives you access to your money any time, without fees, to meet your short-term liquidity needs.
• Also useful if you want to consolidate your funds for future investment purchases.

GICs WITH A DIFFERENCE

Investors who choose Guaranteed Interest Contracts (GIC) with an insurance company realize all of the benefits of a guaranteed investment outlined above. In addition, investors automatically receive benefits only available from insurance company investments, such as:

• cashability
• bypass of probate and estate fees and other estate planning advantages
• potential creditor protection
• non-registered savings plan benefits

These benefits are unavailable through banks, trust companies and mutual fund organizations.

In addition, the value of your investment in a Insurance company GIC is protected by third party insurance. Assuris protects your investment in the case of insolvency, up to specific limits. For more information about Assurisprotection, please visit their Web site at www.http://www.assuris.ca/.

Cashability

Unlike most guaranteed investments from banks, trust companies and mutual fund organizations, most Insurance company GICS are fully or partially cashable at any time. (Surrender charges may apply on terms cashed before maturity).

Why are estate planning advantages important?

Life insurance companies offer several distinct estate planning advantages over non-insurance institutions, beginning with the ability to name beneficiaries on registered and non-registered plans

Here's how a couple might use the estate planning advantages available
Terry has named his wife, Connie, as his beneficiary. At the time of Terry's death, the current value of his insurance company GIC -- including accumulated interest -- goes directly to Connie. Because the money will therefore bypass the estate, Connie can avoid the expense and delays of probate fees, legal fees and surrender charges.

As Terry's spouse, Connie can also choose to have the value of Terry's investment transferred directly to her own RRSP or RRIF at the time of Terry's death, privately and without tax implications.

What about creditor protection?

When you name a "family class" or irrevocable beneficiary, your Insurance company GIC is generally safeguarded from creditors under provincial insurance laws that protect the investments of insurance company clients only.

In all provinces except Quebec, the annuitant's spouse, child, parent or grandchild are all recognized as family class beneficiaries. In Quebec, family class beneficiaries are the policy owner's spouse and/or descendants and ascendants.

The creditor protection feature is particularly useful for small business owners and professionals, as added security in case of bankruptcy.

Here's how a small business owner might benefit from creditor protection
Joe owns and operates a small business and has built up sizable personal savings outside of the business to provide for his family. Joe would like to be sure that his personal savings are as secure as possible. By opting to invest his personal savings in an insurance company GIC and naming his wife as beneficiary, Joe benefits from the potential creditor protection available only through insurance companies.

Call for details on how designating a family class or irrevocable beneficiary could potentially enhance your level of security against creditors.

Non-registered savings plan benefits

You can save or defer taxes on your non-registered 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.