Today's Canadians are often enjoying long and active retirements.

In addition to offering financial security, an effective retirement plan should be diversified to protect against lower interest rates and market fluctuations, giving retirees the independence and the ability to enjoy retirement to its fullest.

With proper planning, you can look forward to:

• security, protection and peace of mind
• protecting your income from inflation
• flexibility to adjust your level of income
• deferring taxes as long as possible
• guaranteeing lifetime income (for you and your spouse)
• leaving an estate to your heirs
• financial independence

We can assist you in building a well-rounded retirement package with a personalized combination of the following:

• Protected Investment Funds
• Registered Retirement Savings Plans (RRSPs)
• Mutual Funds
• Leveraged Investments
• Registered Retirement Income Funds (RRIFs)
• Non-registered Investments
• Individual Pension Plans
• Insured Retirement Programs ®
• Annuities
• Guaranteed Investment Certificates (GICs)
• Estate Bonds ®
• Term Insurance
• Universal Life Insurance

® Insured Retirement Program and Estate Bond are registered trademarks of the Manufacturers Life Insurance Company.

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale. Details are available on request.

Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.:

• Deposit Instruments: GICs, Canada Savings Bonds;
• Fee for Service Financial Planning;
• Estate Planning;
• Tax Planning or Income Tax Preparation;
• Insurance: Life, Accident, Sickness, Disability, General.

Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.

Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.