<p> Manulife one Account/ Affinity groups Preferred Rate Mortgage application This application may only be completed by a registered Mortgage Broker or an employee of Manulife Bank of Canada.</p><p>1 Application information Application is for: Manulife one: Indicate your choice 75% LTV (Conventional Manulife one) Up to 90% LTV (High-ratio insurance required) 65% LTV (Available only to small business owners) Investment property 50% LTV (No evidence of income required) 2nd position Conventional Preferred Rate Mortgage High ratio Are you applying for this product on behalf of a third party? No Yes If “Yes,” the “Third Party Identification form” (AB0321E) must also be completed and submitted with the application.</p><p>Association name, member number 2 Applicant information Mr. Ms. Mrs. Miss Dr. Other Last name First name Email address</p><p>Date of birth (mmm/dd/yyyy) Social Insurance Number Home telephone number Business telephone number Ext. Address City Province Postal Code</p><p>Marital status Duration at address years months Number of dependants Married Single Divorced Common law Separated Widow(er) Own Rent Lives with parents </p><p>Marital status Association name, member number 3 Joint applicant information Mr. Ms. Mrs. Miss Dr. Other </p><p>Last name First name Email address</p><p>Date of birth (mmm/dd/yyyy) Social Insurance Number Home telephone number Business telephone number Ext. Address City Province Postal Code</p><p>What is your relationship to the Applicant? Duration at address years months Number of dependants Own Rent Lives with parents </p><p>4 Guarantor/Surety information (Preferred Rate Mortgage applicants only) </p><p>Mr. Ms. Mrs. Miss Other Last name Given name(s) Email address</p><p>Date of birth (mmm/dd/yyyy) Social Insurance Number Home telephone number Business telephone number Ext. Address City Province Postal Code</p><p>5 Contacts How we may contact you. You prefer us to contact: First Applicant At home At work Joint Applicant At home At work Between and (your local time) Your language preference: English French How you may contact us. Our call centre phone: 1-866-626-8221. Our call centre fax: 1-877-626-8121. Our call centre is open between 8 a.m. to 8 p.m. Eastern Time, Monday to Friday. Banking consultant/mortgage broker Telephone number Fax number Email address</p><p>Your financial advisor Dealer code* MGA code (if Advisor code** Branch code Telephone number applicable)</p><p>Your legal advisor Address Telephone number</p><p>Please note: * If an advisor has a mutual fund licence, enter the selling code of the MFDA Dealer (this is an MFDA requirement). Otherwise write “N/A” in the field. **If an advisor has entered a Dealer Code, enter the advisor’s 4-character mutual fund representative code; otherwise please enter their personal selling code.</p><p>The Manufacturers Life Insurance Company Page 1 of 5 WM0065E (01/2005) 6 Income</p><p>Years in Years at Gross annual Employer/ Occupation current current Amount income income source field employer</p><p>Applicant’s salary $ </p><p>Other income $ </p><p>Joint applicant’s salary $ </p><p>Other income $ </p><p>7 Assets and liabilities Assets Value Liabilities Amount owing Mthly payment * Home Home loan $ Lender $ $ Maturity date Other real estate Loan on other real estate Lender $ $ $ Maturity date </p><p>Retirement savings plan Lines of credit Lender $ $ $ </p><p>Lender $ $ </p><p>Chequing or savings account Credit card(s) Issuer $ $ </p><p>Issuer $ $ </p><p>$ Issuer $ $ </p><p>Issuer $ $ </p><p>Issuer $ $ </p><p>Deposits or investment certificates Income tax owing</p><p>$ $ $ </p><p>Stocks or bonds Support/alimony</p><p>$ $ $ </p><p>Life insurance (cash surrender value) Personal loan (e.g. for a car)</p><p>$ Lender $ $ </p><p>Vehicle (make, model, year) Vehicle lease payments</p><p>$ $ $ </p><p>Vehicle (make, model, year) </p><p>$ $ $ </p><p>The Manufacturers Life Insurance Company Page 2 of 5 WM0065E (01/2005) 7 Assets and liabilities (continued) Assets Value Liabilities Amount owing Mthly payment *</p><p>$ $ $ </p><p>$ $ $ </p><p>$ $ $ </p><p>Total assets $ Total liabilities $ </p><p>Net worth (assets – liabilities) $ </p><p>* Please put a check mark in the last column above for liabilities that you will be paying off or paying down through your Manulife one Account.</p><p>8 Real estate to be used as security </p><p>This security will be in the form of a First mortgage/hypothec 2nd position mortgage (Not available for Preferred Rate Mortgage) Manulife one credit limit requested $ Preferred Rate Mortgage amount requested $ Please indicate the amount to be registered if less than 75% % (If no amount is indicated, default value is 75%) Address Date of purchase (mmm/dd/yyyy) Purchase price $ </p><p>Age of building Previous sale date (mmm/dd/yyyy) Previous sale price $ </p><p>Owners Value of recent renovations Tax assessed value, if known $ $ </p><p>Estimated property taxes Heating Type $ Electric baseboard</p><p>Paid up to date Yes No Forced air gas/oil/electric Hot water Other (specify) Condo fees $ </p><p>Brief legal description (lot, plan etc.)</p><p>Dwelling type Dwelling style Garage One storey Bi-level Split level Type Detached 1 ½ storey n/a Attached Detached Condo Townhouse Two storey Size Semi-detached Three storey Single Double Triple Other (specify) Other (specify) Other (specify) Square footage of home Title Water (excluding basement) Freehold Condo City Private well Septic Lot size Other (specify) </p><p>9 Portability credit of CMHC insurance (High-ratio Manulife one Account applicants only) If the applicant’s current mortgage is CMHC insured (i.e. has default loan insurance coverage), then provide the CMHC reference number. The applicant(s) wish(es) to: port existing coverage apply for a new 25 year term of default loan insurance coverage.</p><p>10 Other information 1. Are you liable as a co-signor or guarantor? Yes No 2. Are there any suits or judgements against you? Yes No 3. Are you now or have you ever been bankrupt? Yes No If you answered “Yes” to any of the above, please provide full details on a separate sheet. 4. Have you been with your current employer for less than two years? Yes No If you answered “Yes” please provide: Occupation, Years at previous employer, and previous employer’s name on a separate sheet.</p><p>The Manufacturers Life Insurance Company Page 3 of 5 WM0065E (01/2005) 11 Declaration, authorization and consents You acknowledge that you have read and understand the Personal Information Statement and consent to the collection, use and disclosure of your personal information, in accordance with the terms of the Personal Information Statement, as described under the following headings:  Collecting, using and disclosing your personal information  Who may access your personal information  Service providers  Other product offerings  Withdrawing your consent  Your right to access your personal information or to receive additional information You understand that you may contact the Bank’s Customer Service Center at 1-866-626-8221 for additional information relating to the Bank’s privacy policies and regarding your options for withdrawing your consent. In accordance with the Personal Information Statement, you authorize the Bank to obtain, verify, give, share and exchange personal information about you, now and in the future, with any individuals, financial institutions, business corporations or other parties with whom you have or propose to have financial or personal dealings, or who hold information about such dealings, such as credit bureaus. Your personal information will be used for the purpose of confirming your identity and the accuracy of the information you provide or the Bank collects with this consent, assessing the history of your financial dealings to determine your eligibility for the products and services you have applied for, or the Bank offers to you, now and in the future, administering and maintaining your financial records, supporting and maintaining the accuracy and the integrity of the credit reporting system, and as may be otherwise permitted or required by law. You also authorize any person that the Bank contacts under this authorization to provide such information. Without limiting the generality of the foregoing, you also consent that, for the purpose of your Manulife One Account, the Bank may provide any of the personal information in your credit file to MBNA Canada Bank or other credit card service provider to support your application for a credit card to MBNA Canada Bank or other credit card service provider. You authorize the Bank to record your telephone conversations for the administration of your account and to maintain quality service levels. If you do not wish that your telephone conversation be recorded, you agree to only communicate with the Bank in writing and request that any response by the Bank be in writing as well. Statement of Property You, the Applicant(s), certify this statement of your property and debts is true and complete. You declare that neither your spouse nor any other person has any claim in or to the assets shown except as set out herein. The whole of your property is shown at fair valuation. You declare that you are not being sued and there are no executions against you, nor do you owe anything to any other bank or financial institution except as reported on this form. You shall notify the Bank forthwith upon any change in the information concerning you in this statement. This information is given for the purpose of obtaining advances or an extension of time of your present indebtedness from the Bank and you acknowledge that you are indebted to the Bank on certain promissory note(s) in the amount set out on this form. High-ratio Mortgage – Manulife one The granting of the loan or any part thereof or approval for insurance by CMHC is not to be construed or relied on by you, the Applicant as representing a confirmation of the value or condition of the underlying property, whether or not appraisals or inspections are carried out by or for CMHC; nor is it to be construed or relied on by you as representing a confirmation of your ability to pay the loan. Completion of Application You hereby certify that you have completed this Application without the assistance of any other person, or where assistance was provided it was done so by a Manulife Bank Banking Consultant/staff member or a registered mortgage broker. For Quebec residents only You, the Applicant(s) and guarantor/surety, have expressly requested that this application and all related documents, including notices, will be given to you in the English language. Vous avez expressément demandé que cette convention et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise.</p><p>Applicant signature Date (mmm/dd/yyyy)</p><p>Joint applicant signature Date (mmm/dd/yyyy)</p><p>Guarantor/Surety signature Date (mmm/dd/yyyy)</p><p>Banking Consultant’s/ M1 and PRM Account Addendum (WM1030E) is not included; no Manulife one sub-accounts are to be Mortgage Broker’s initials opened at this time.</p><p>Page 5, the “Personal Information Statement” has been provided to the applicant(s).</p><p>To identify sub accounts for Manulife One, see M1 and PRM Account Addendum (WM1030E).</p><p>The Manufacturers Life Insurance Company Page 4 of 5 WM0065E (01/2005) Personal information statement Definitions: Under this Personal Information Statement, the words “You” and “Yours”, mean the applicant(s), co-applicant(s), the guarantor(s) or surety(ies). The word “Bank” means Manulife Bank of Canada. Collecting, using and disclosing your personal information: The personal information you provide to the Bank (or the Bank collects with your consent, including the consent given in the Manulife one Account/Preferred Rate Mortgage Application or Client Introduction form), with respect to this credit application, will be protected and maintained in a credit file with the Bank. The Bank may collect, use and disclose your personal information to: (a) Confirm your identity and the accuracy of the information provided by you, or collected with your consent; (b) better understand the history of your financial dealings with the Bank and others, and determine your eligibility for products and services which you have applied for, or which the Bank offers to you, now or in the future; (c) support and maintain the accuracy and integrity of the credit reporting system; (d) properly administer and service any financial services and products the Bank provides to you; (e) assess the value of any security which the Bank may obtain with respect to this application; (f) keep records of instructions given by you over the telephone; (g) listen to your recorded telephone conversations to maintain quality service levels; (h) help the Bank understand the current and future needs of its customers; (i) conduct searches to locate you and update your contact information in your file; (j) provide you with details of other financial products offered by the Bank, its affiliates and other select financial product providers; and (k) comply with legal and regulatory requirements. Prior to a decision being made on your credit application, you may withdraw your application and your consent and request that any information collected about you be destroyed. Once the credit has been extended to you, if you withdraw your consent for the Bank to use and disclose your personal information, the Bank may no longer be able to properly administer your products and will have the contractual right to demand full payment of your credit (subject to penalties, if applicable). Notwithstanding such withdrawal of consent by you, the Bank may be required by law to maintain and use your personal information for record keeping, tax and financial reporting. Your Social Insurance Number (“SIN”) may be used for tax reporting purposes and other purposes required or permitted by law. The Bank may also use your SIN as a unique identifier to keep your personal information separate from that of other customers with similar names, for internal and external matching of your personal records against records exchanged with third parties that you have consented to, and to maintain the integrity and accuracy of your personal information. You may withdraw your consent for the Bank to use your SIN for purposes other than required by law, without affecting the Bank’s ability to provide you with its products and services, however, this may affect the Bank’s ability to fully ensure the accuracy and integrity of your personal information maintained in your credit file. Before the Bank collects, discloses and uses your personal information for any other purpose, the Bank will explain the purpose to you and seek your consent. Who may access your personal information: Access to your personal information, which includes any details of the Bank’s denial of your application, will be limited to: (a) Bank employees and Bank representatives and their delegates, in the performance of their duties for the Bank; (b) Manulife Financial employees and the Bank’s affiliates’ employees when resolving your concerns about any related product offerings; (c) other credit grantors with whom you have dealings, or credit bureaus and personal information agents with respect to your credit or financial history; (d) service providers used by the Bank, in the performance of their duties for the Bank; (e) those to whom you gave permission; and (f) those authorized by law. Service providers: The Bank may use service providers for services such as debit and credit card services, printing services, mail services, distribution services, information technology services, insurance services, administrative services and marketing services. The Bank may change service providers or enter into an agreement with new service providers. Where personal information is provided to the Bank’s service providers, to perform the various services they provide, the Bank will contractually require them to protect the personal information in a manner that is consistent with the Bank’s privacy policies and practices. Other product offerings: From time to time, the Bank may offer or promote its other financial products, or those of its affiliates, and those of select third parties associated with the Bank. These other financial product offerings could include for example, securities, insurance products, loan and investment products, credit card products and reward programs, which the Bank believes may be of interest to you. The Bank will not disclose any of your personal information to other external parties, for the purpose of the other parties marketing their own products directly to you, without your consent. You may withdraw your consent to use your personal information for the purpose of receiving additional product offerings, at any time. You understand that this will not affect the Bank’s ability to continue to provide you with the services you have requested, but will exclude you from receiving direct personalized marketing or special offers on other products and services. This will not limit the information the Bank may send to you from time to time with your statements or information the Bank provides to you when you contact the Bank. Withdrawing your consent: Subject to any legal and contractual restrictions described above, you may withdraw your consent for the Bank’s collection, use and disclosure of your personal information, at any time. To do so, you may call the Bank’s Customer Service Center at 1-866-626-8221, write to the Privacy Officer at the address set out below, or indicate on your application which consent you wish to withdraw. For new loans, your request will be processed immediately. If you wish to withdraw consent after your loan is funded, six to eight weeks is generally required to process your request. Your right to access your personal information or to receive additional information: You understand that you may obtain a copy of the Bank’s privacy policy from the Bank’s website at manulifebank.ca or by calling the Bank’s Customer Service Center at the number indicated above. You may request additional information or access to your personal information in your file at any time, subject to the restrictions provided by law, and ask that any inaccurate or incomplete information be corrected. To do so, you may send a written request with details to the Privacy Officer at the following address: Privacy Officer, Manulife Bank of Canada, Delivery Station 500 M-A, 500 King Street North, PO BOX 1602 STN WATERLOO, WATERLOO ON N2J 4C6.</p><p>The Manufacturers Life Insurance Company Page 5 of 5 WM0065E (01/2005)</p>