<p> Choose a GIC with more bite!</p><p>Innovative GIC investment options Non-registered tax advantages - Policy  Basic (cashable) Account - Earn higher rates by year tax reporting allows you to delay paying tax on simply adding 6 months to a standard length term.1 interest earned for up to a year; you may also qualify  Laddered Account - Diversify your GIC portfolio by for an annual pension income tax credit if you’re 65 ensuring that a portion matures each year and is or older. reinvested at attractive long-term rates. One attractive rate is given for all your initial terms. Powerful estate planning  Escalating Rate Account - A rate that is guaranteed opportunities - Your beneficiaries will receive to increase each year until maturity. the full amount of your GIC investment including interest, privately and without charges upon death – Early cashing privileges - Access your Manulife avoiding probate delays and additional estate Investments GIC in the case of emergency at any time.2 expenses. Potential creditor protection - Your GIC Invest with confidence - Your GIC is backed investment may be protected from creditors under certain by the strength of Manulife Financial, plus the added 3 circumstances, in the case of bankruptcy. security of investment protection through Assuris. GIC Competitive Rate Survey – January 8, 2008</p><p>1 Yr (%) 2 Yr (%) 3 Yr (%) 4 Yr (%) 5 Yr (%) 10 Yr (%) Manulife Investments 3.95 3.80 4.10 3.90 4.00 3.80 Basic Cashable Account Canada Life 3.13 3.13 3.38 3.50 3.50 3.78 Desjardins Financial Security 3.60 3.50 3.60 3.70 3.75 3.85 Great West Life 3.25 3.25 3.50 3.63 3.63 3.13 Industrial Alliance 3.40 3.45 3.55 3.95 4.10 3.55 Standard Life 3.55 3.40 3.40 3.40 3.45 3.80 Sun Life 3.35 3.40 3.45 3.50 3.60 3.65</p><p>1 Yr (%) 2 Yr (%) 3 Yr (%) 4 Yr (%) 5 Yr (%) 10 Yr (%) Manulife Investments 4.20 4.05 4.35 4.15 4.40 4.05 Basic Non-Cashable Account Advisors Advantage Trust 3.90 4.30 4.40 4.50 4.60 n/a CIBC Trust 3.00 3.05 3.15 3.25 3.35 n/a HSBC (broker) 3.90 4.50 4.60 4.70 4.80 n/a Laurention Bank (broker) 4.15 4.50 4.70 4.75 4.80 n/a Maple Trust 3.90 4.50 4.65 4.70 4.80 n/a MRS Trust 4.40 4.50 4.55 4.55 4.65 n/a Manulife Bank 4.05 4.15 4.30 4.40 4.50 n/a National Bank (broker) 3.95 4.10 4.30 4.45 4.65 n/a National Trust (broker) 3.85 4.45 4.60 4.65 4.75 n/a TD Mortgage Corp. (broker) 3.90 4.35 4.60 4.65 4.75 n/a</p><p>Source: Cannex. Annual effective rates for contracts of $25,000. 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) and the Maritime Life Investment Account (MLIA). 1Add 6 months to a standard length (1 to 10 years) Basic Account term to get the next year’s rate. 2 Early redemption surrender charges and pension restrictions may apply to the Manulife Investments GIC and MLIA Basic, Laddered and Escalating Rate accounts. 3 offers deposit protection on all term lengths up to specific dollar limits, visit www.assuris.ca for more details.</p>