Use online banking to make segregated fund contract and GIA deposits Tips Saving time and managing your segregated fund and guaranteed interest account (GIAs and GICs) investments just got easier with the ability to make • Discuss the process, deposits directly from your bank account to your contract. amount, and timing with your advisor Benefits: • Deposit money into your contract even if you do not have time to meet • Make sure the contract with your advisor face to face number is correct. You can • No signatures or void cheques required for existing contracts get the contract number(s) • Make deposits at a time and place that are convenient to you from your advisor or statement. Note that you will How does it work? need a separate payment for

Step 1: Contact your advisor Step 3: Retain your each contract number confirmation number You’ll need to touch base with • Select Manulife Investment your advisor first to discuss what Be sure to retain any confirmation Seg-GIA as the bill payee. you are doing. Let your advisor information you receive from your know how much money you are bank. If Manulife Investment Ensure that the payee name depositing, when, and what Management does not receive the is correct contract you are depositing the payment, you will need to track your funds into. Make sure you have payment with this number. Due to • Always let your advisor know the correct contract number. You privacy reasons, Manulife Investment once you have completed can get this from your advisor or Management is unable to track the transaction a recent statement. payments on our clients’ behalf.

Step 2: Open your online Step 4: Let your advisor know banking app or site when you have made a deposit Check the next page to make Once you’ve completed the deposit sure your bank is participating. process, be sure to contact your If your bank is on the list, simply advisor to confirm the deposit follow your usual “add a payee” is complete and review trading procedure. Select Manulife instructions or to reconfirm previously Investment Seg-GIA as a bill discussed instructions. It’s important payee, enter your Manulife to do this on the same day so your Investment Management contract advisor can place the trade into number, and the amount you want your contract. to deposit. Note that there may be fees levied by your bank for their online banking service. Acceptable source of funds How long does it take to process my deposit(s)? Under anti-money laundering legislation, Manulife Investment Management Deposits typically take one to three business days to arrive at Manulife is required to monitor the source of funds being deposited into client Investment Management. contracts and must identify any potential third party(ies) demonstrating a Do I need to tell my advisor that I have made a deposit by financial interest in a client’s contract (i.e., making a deposit on behalf of the online banking? registered contract owner, from an account in another person’s name). To comply with this requirement, electronic deposits can only be made from a Yes. Once the deposit has been sent, you should notify your advisor. You bank account belonging to the registered holder of the Manulife Investment may need to discuss any applicable investment instructions. Payments to Management contract. Manulife Investment Management does not permit a registered plan (for example, an RRSP) will be coded as a contribution. third party deposits to client contracts electronically. Payments to a Spousal RRSP will be coded as a spousal contribution.

Frequently asked questions Which banks are participating? Are there any restrictions? • Alberta Treasury Bank (ATB) • Bank of Montreal (BMO) Depending on your bank, there may be restrictions to the maximum amount • Bank of Nova Scotia (Scotiabank) you can deposit into your Manulife Investment Management segregated • Canadian Imperial Bank of Commerce (CIBC) • Central 1 Credit Union fund or guaranteed interest account (GIA or GIC) through online banking. • Desjardins Your bank may also have restrictions set-up specifically on your account for • Laurentian Bank these types of transactions. To find out more about payment restrictions, • Manulife Bank please contact your bank directly. Payments are received in Canadian • National Bank of Canada • RBC Royal Bank dollars only. • Tangerine • TD Canada Trust How can I track my payments? • Telpay When processing your payment via online banking, you will receive a confirmation or reference number from your bank which you should We are working with other banking institutions to add more in the retain for tracking purposes. If Manulife Investment Management does future. As they become available, this guide will be updated. not receive your payment, you will need to track it through your bank with the confirmation or reference number. To facilitate seamless payment processing, ensure that your bank account is in the same name as your Manulife Investment Management contract.

For more information, please contact your advisor.

Manulife Investment Management is a trade name of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company (Manulife) is the issuer of insurance contracts containing Manulife segregated funds and the guarantor of any guarantee provisions therein. Manulife, Manulife Investment Management, the Stylized M Design, and Manulife Investment Management & Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

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