Agenda

Sales Tools and Support

Manulife Private Investment Pools

MPIP Segregated Pools MPIP Investment Pools

Opportunities within the mass-affluent market

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Mass affluent market

*Source: Investor Economics “the Fee-Based Report “ Summer 2013, www.duarte.com

Looking for alternatives to existing products

Require solutions to retain these clients

Require solutions to attract these clients

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Wealth in Canada is shifting

Source: Investor Economics “the Fee-Based Report “ Summer 2013 * Investor Economics projection. For illustration purposes only .

Financial wealth assets in billions of dollars

Significant shift of wealth expected from mass market to more affluent segments

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Affluent Households on the Rise

Source: Investor Economics “the Fee-Based Report “ Summer 2013 * Investor Economics projection. For illustration purposes only.

By comparison, lower wealth segment households are only expected to grow at a CAGR of 0.8%

Number of affluent households in thousands

5.2% CAGR

6.0% CAGR

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Significant generational transfer of wealth is expected

Source: Investor Economics “the Fee-Based Report “ Summer 2013 *Investor Economics projection. For illustration purposes only.

Financial wealth assets in billions of dollars

$1,945

$305

$361

$503

$776$1,670

$270

$333

$393

$674

$1,982

$313

$380

$437

$852

$2,224

$344

$414

$492

$974

$2,272

$347

$405

$506

$1,014

$4,213

$570

$604

$1,010

$2,029

$0

$500

$1,000

$1,500

$2,000

$2,500

$3,000

$3,500

$4,000

$4,500

2007 2008 2009 2010 2011 2020*

0-44 45-54 55-64 65+Ages

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The Manulife Private Investment Pools Program

Anchored by strong investment options

Comprehensive offering

Lower fees

High-end experience

Householding

• A comprehensive suite of investment pools sub-advised by Manulife Asset Management and Mawer Investment Management Ltd.

• Insurance and mutual fund options

• MERs are significantly lower than traditional lower-cost segregated fund offerings or traditional mutual fund offerings

• Assets are pooled by household to allow for further price breaks• Quarterly Management Fee Reductions or Reimbursements

(MFRs) as applicable

• Client Proposal Tool• Detailed client statements• Distinctive branding

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Manulife Private Investment Pools –Fixed income options

MPIP Investment Pools

MPIP Segregated Pools Asset Mix PM & Sub-

Advisor

Manulife Money Market Private Trust

Manulife Money Market Private Segregated Pool

100% Cdn short term securities

Maralyn Kobayashi

MAML

Manulife Canadian Fixed Income Private Trust

Manulife Canadian Fixed Income Private Segregated Pool

100% Cdn bonds (Govts + Corps)

Terry Carr

MAML

Manulife Corporate Fixed Income Private Trust

Manulife Corporate Fixed Income Private Segregated Pool

100% North American bonds (Corps only)

Terry Carr

MAML

Manulife U.S. Fixed Income Private Trust

Manulife U.S. Fixed Income Private Segregated Pool

100% U.S. bonds (Govts + Corps)

John Addeo, Dennis McCafferty

MAM (US) LLC

Manulife Global Fixed Income Private Trust

Manulife Global Fixed Income Private Segregated Pool

100% Global bonds(Govts + Corps)

Dan Janis, Tom Goggins

MAM (US) LLC

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Manulife Private Investment Pools –Balanced options



Advisor

Manulife Canadian Balanced Private Pool

Manulife Canadian Balanced Private Segregated Pool

60% equity

40% fixed income

Alan Wicks, Terry Carr

MAML

Manulife Balanced Income Private Trust

Manulife Balanced Income Private Segregated Pool

30% equity

70% fixed income

Terry Carr, Alan Wicks

MAML

Manulife U.S. Balanced Private Trust*

Manulife U.S. Balanced Private Segregated Pool

50% equity

50% fixed income

Sandy Sanders, Walter McCormick, Dan Janis, Tom Goggins, Dennis McCafferty

MAM (US) LLC

Manulife Balanced Equity Private Pool

Manulife Balanced Equity Private Segregated Pool

70% equity

30% fixed income

Sandy Sanders, Walter McCormick, Terry Carr

MAM (US) LLC

Manulife Global Balanced Private Trust

Manulife Global Balanced Private Segregated Pool

60% equity

40% fixed income

Greg Peterson, Paul Moroz

Mawer

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Manulife Private Investment Pools –Equity options



Advisor

Manulife Canadian Equity Private Pool

Manulife Canadian Equity Private Segregated Pool

100% equity (~90% Canadian)

Monika Skiba

MAML

Manulife Dividend Income Private Pool

Manulife Dividend Income Private Segregated Pool

100% Dividend-paying equities(~70% Canadian, 30% U.S.)

Jonathan Popper, Alan Wicks

MAML

Manulife U.S. Equity Private Pool

Manulife U.S. Equity Private Segregated Pool

100% U.S. equitySandy Sanders, Walter McCormick

MAM (US) LLC

Manulife Global Equity Private Pool

Manulife Global Equity Private Segregated Pool

100% Global equityPaul Moroz

Mawer

Why MPIP Segregated Pools?

Best mandates across all asset classes

Estate planning advantages

Potential creditor protection

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MPIP Segregated Pools purchase options

Series Description

Advisor Series • Front-end• Low-load*

F-class • Fee-based contracts• No advisor compensation built-in

*Manulife Money Market Private Segregated Pool excluded.

MPIP Segregated Pools is the only program of its kind

MPIP household assets can be linked to qualify for greater MFRs on pool assets

Householding and MFR

*Excludes applicable taxes. MPIP Investment Pools accounts and MPIP Segregated Pools contracts cannot be combined for the purpose of householding.

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Table below lists MFR rates that are applicable to pool assets based on the amount invested and asset class

MFR Example

For illustration purposes only. The MFR is calculated daily and paid on at least a quarterly basis.

Assumptions:• $1,000,000 market value at time of MFR calculation

• All assets invested in Balanced Pools

• Annual calculations for simplicity

Market Value: $1M $0 to $500K $500K+ to $1M

Tier weighting 50%($500,000)

50%($500,000)

Balanced Pool MFR Rate 0 bps 5 bps

MFR Amount $0 $250

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Sales Tools and Support

Custom Client Proposal Tool

• Customized proposal for prospective MPIP clients

• Provides an overview of the program, and can create a proposal for either the investment pools or segregated pools

• Walks through the details of each recommended pool

• Tremendous value added for both the advisor and investor

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Enhanced client reporting

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Marketing Material

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Focus on Your Success

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Insurance –based and investment-based options

Contract/Account Householding

Client Proposal Tool

Dedicated Call Centre Support

Enhanced Client Reporting

Source: www.duarte.com

Focus on Your Success

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PAG & TREPS Support

Flexible Purchase Options

DSC Fees Waived at Death

Ease of administration

Strength of Manulife

Source: www.duarte.com

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Summary

Trust

• Manulife is one of the world’s largest investment managers, guiding billions in pension assets. Manulife Private Investment Pools distill Manulife’s 125 years of investment experience into a program tailored for investors like you.

Conviction

• Manulife Private Investment Pools are guided by teams of portfolio managers who follow proven investment processes and conduct continuous forward-thinking research. This allows them to act with a high level of conviction as they pursue your individual objectives.

Value

• Manulife Private Investment Pools help manage your investment costs.

An exclusive investment program that offers:

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Summary

Access

• Manulife Private Investment Pools give you and your clients access to a sophisticated affluent investment program.

Flexibility

• Manulife Private Investment Pools offer flexible options to help meet the needs of your clients, allowing you to choose an investment-based platform or insurance-based platform.

Support

• Manulife Private Investment Pools support you with a convenient online customized proposal generator and enhanced client reporting.

Affluent sales opportunity that offers:

InvestmentPlus MER Changes

September 19

Lower MERs on 21 InvestmentPlus funds effective…

10 bps MER Reduction!

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InvestmentPlus MER Reductions – Balanced

Manulife Balanced (Multi-Manager) GIF Select 2.60 2.50

Manulife Canadian Balanced GIF Select 2.65 2.55

Manulife Canadian Opportunities Balanced GIF Select 2.72 2.62

Manulife Yield Opportunities GIF Select 2.54 2.44Manulife Global Balanced GIF Select 2.75 2.65

Manulife Strategic Balanced Yield GIF Select 2.69 2.59

Manulife Value Balanced GIF Select 2.66 2.56

Manulife Diversified Investment GIF Select 2.73 2.63

Fund Current MER New MER

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InvestmentPlus MER Reductions – Equity

Fund Current MER New MERManulife Canadian Equity Index GIF Select 2.69 2.59

Manulife Canadian Opportunities GIF Select 2.89 2.79

Manulife Canadian Stock GIF Select 2.81 2.71

Manulife Dividend Income GIF Select 2.87 2.77

Manulife Growth Opportunities GIF Select 3.03 2.93

Manulife U.S. All Cap Equity GIF Select 3.05 2.95

Manulife U.S. Dividend Class GIF Select 3.00 2.90

Manulife U.S. Equity GIF Select 3.06 2.96

Manulife U.S. Equity Index GIF Select 2.94 2.84

Manulife U.S. Large Cap Equity GIF Select 3.05 2.95

Manulife Global Dividend Income GIF Select 3.04 2.94

Manulife Global Focused GIF Select 3.09 2.99

Manulife International Equity Index GIF Select 2.99 2.89

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Rely on the strength of Manulife

• As a Manulife Private Investment Pools advisor, you can feel confident that your trust is well placed.

1P&I Towers Watson, year end 2012. 2As at January 31, 2014. 3As at March 31, 2014. 4Manulife Financial Global Company Fact Sheet, May 2014.

125 years

Ranked 30

$37.9 billion

$635 billion

28,600+

of history

in list of world’s 500 largest asset managers1

market capitalization2

in funds under management3

employees worldwide4

FOR ADVISOR USE ONLY

The information provided in this presentation is for advisor use only and is not intended for the general public.

MPIP Investment Pools; Manulife Funds (including the Trust Pools) and Manulife Corporate Classes (including the Class Pools) are managed by Manulife Investments, a division of Manulife Asset Management Limited. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its new asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

MPIP Segregated Pools; Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Withdrawals proportionally decrease Maturity and Death Benefit Guarantees. The Management Fee Reimbursement will not be paid in cash but will be credited to the Contract. Manulife Investments is a division of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company is the issuer of the Manulife Private Investment Pools - MPIP Segregated Pools (MPIP Segregated Pools) and the Manulife GIF Select insurance contract which offers the InvestmentPlus Series and the guarantor of any guarantee provisions therein. Manulife, Manulife Investments, the Block Design, the Four Cubes Design, and strong reliable trustworthy forward-thinking and InvestmentPlus are trademarks of The Manufacturers Life Insurance Company, and are used by it, and by its affiliates under license.

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Documents

Agenda