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l Choose a GIC with more bite. Innovative GIC investment options Non-registered tax advantages - Policy year tax Basic Account (½ year terms) - Earn higher rates by simply adding 6 months to a standard length term.1 Laddered Account - Diversify your GIC portfolio by ensuring that a portion matures each year and is reinvested at attractive long-term rates. One attractive rate is given for all your initial 1 to 5 year terms. Escalating Rate Account - A rate that is guaranteed to increase each year until maturity. reporting allows you to delay paying tax on interest earned for up to a year; you may also qualify for an annual $1,000 pension income tax credit if you’re 65 or older. Early cashing privileges - Access your Manulife Powerful estate planning opportunities Your beneficiaries will receive the full amount of your GIC investment including interest, privately and without charges upon death – avoiding probate delays and additional estate expenses. Investments GIC in the case of emergency at any time.2 Invest with confidence - Your GIC is backed by Potential creditor protection - Your GIC investment the strength of Manulife Financial, plus the added security of investment protection through CompCorp.3 may be protected from creditors under certain circumstances, in the case of bankruptcy. GIC Rate Survey – September 13, 2005 Daily 1 Yr (%) 2 Yr (%) 3 Yr (%) 4 Yr (%) 5 Yr (%) 10 Yr (%) 0.75 0.75 0.75 2.15 2.251 2.152 2.25 2.751 2.252 2.75 2.751 2.752 2.75 2.851 2.752 2.85 2.851 2.852 3.25 3.251 3.252 n/a n/a 0.50 0.75 0.20 2.25 2.25 1.85 2.35 1.50 2.45 2.25 2.25 2.50 1.75 2.63 2.50 2.35 2.65 2.05 2.78 2.75 2.50 2.75 2.30 3.13 3.00 2.85 2.95 2.60 3.65 3.00 3.05 3.60 3.55 0.25 0.25 0.50 0.75 2.45 0.25 0.25 0.15 1.40 1.40 1.40 1.40 2.80 1.40 1.40 1.40 1.80 1.80 1.80 1.80 3.05 1.80 1.80 1.80 2.05 2.05 2.05 2.05 3.20 2.05 2.05 2.05 2.30 2.30 2.30 2.30 3.35 2.30 2.30 2.30 2.60 2.60 2.60 2.60 3.50 2.60 2.60 2.60 1 Yr (%) 2 Yr (%) 3 Yr (%) 4 Yr (%) 5 Yr (%) 5-Year Escalating Rate Account 2.10 2.15 3.00 3.25 4.05 Avg. Rate = 2.91 5-Year Laddered Account 2.80 2.80 2.80 2.80 2.80 1-5 year term rates Financial Institution Manulife Investment GICs Basic Account - full year terms Basic Account - ½ year terms1 MLIA Other Insurance Companies Canada Life Great West Life Sun Life Standard Life Transamerica Life Banks & Trust Companies Bank of Montreal Bank of Nova Scotia Caisses Desjardins CIBC Manulife Bank National Bank Royal Bank TD Canada Trust Manulife Investments Specialty GICs Source: Cannex. Annual effective rates for contracts of $5,000. Rates subject to change without prior notice. E&OE The Manufacturers Life Insurance Company of Canada is the issuer of the Manulife Investments Guaranteed Interest Contract (GIC). 1Add 6 months to a standard length 1 to 10 year Basic Account term to get the next year’s rate. 2 Early redemption surrender charges and pension restrict ions may apply to the Manulife Investments GIC Basic, Laddered and Escalating Rate accounts. 3 CompCorp offers deposit protection on all term lengths up to specific dollar limits, visit www.compcorp.ca for more details. 2 For MLIA rates for non-integral terms are interpolated.