Manulife Financial — the best 5-Year GIC rates in the industry



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Choose a GIC with more bite.

Innovative GIC investment options

• Basic Account (½ year terms) - Earn higher rates by simply adding 6 months to a standard length term.1

• Laddered Account - Diversify your GIC portfolio by ensuring that a portion matures each year and is reinvested at attractive long-term rates. One attractive rate is given for all your initial 1 to 5 year terms.

• Escalating Rate Account - A rate that is guaranteed to increase each year until maturity.

Early cashing privileges - Access your Manulife Investments GIC in the case of emergency at any time.2

Potential creditor protection - Your GIC investment may be protected from creditors under certain circumstances, in the case of bankruptcy.

Non-registered tax advantages - Policy year tax reporting allows you to delay paying tax on interest earned for up to a year; you may also qualify for an annual $1,000 pension income tax credit if you’re 65 or older.

Powerful estate planning opportunities - Your beneficiaries will receive the full amount of your GIC investment including interest, privately and without charges upon death – avoiding probate delays and additional estate expenses.

Invest with confidence - Your GIC is backed by the strength of Manulife Financial, plus the added security of investment protection through CompCorp.3

| GIC Rate Survey – February 22, 2005 |

| Financial Institution |Daily |1 Yr (%) |2 Yr (%) |3 Yr (%) |4 Yr (%) |5 Yr (%) |10 Yr (%) |

|Manulife Investment GICs | | | | | | | |

|Basic Account - full year terms |0.75 |2.30 |2.35 |2.65 |3.00 |3.35 |3.75 |

|Basic Account - ½ year terms1 |0.75 |2.351 |2.651 |3.001 |3.351 |3.351 |3.751 |

|MLIA |0.75 |2.302 |2.352 |2.652 |3.002 |3.352 |3.752 |

|Other Insurance Companies | | | | | | | |

|Great West Life |n/a |2.00 |2.25 |2.50 |3.00 |3.13 |3.00 |

|Sun Life |0.50 |1.70 |2.15 |2.45 |2.75 |3.10 |3.50 |

|Transamerica Life |0.20 |1.95 |2.30 |2.60 |2.95 |3.20 |3.90 |

| Bank of Montreal |0.25 |1.55 |2.00 |2.30 |2.60 |3.00 | |

| Caisses Desjardins |0.50 |1.55 |2.00 |2.30 |2.60 |3.00 | |

| Manulife Bank |2.45 |2.60 |3.00 |3.25 |3.50 |3.75 | |

|Manulife Investments Specialty GICs |1 Yr (%) |2 Yr (%) |3 Yr (%) |4 Yr (%) |5 Yr (%) | |

|5-Year Laddered Account |3.00 |3.00 |3.00 |3.00 |3.00 |1-5 year |

| | | | | | |term rates |

Source: Cannex. Annual effective rates for contracts of $5,000. 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). 1Add 6 months to a standard length 1 to 10 year Basic Account term to get the next year’s rate. 2 Early redemption surrender charges and pension restrict ions may apply to the Manulife Investments GIC Basic, Laddered and Escalating Rate accounts. 3 CompCorp offers deposit protection on all term lengths up to specific dollar limits, visit pcorp.ca for more details.

2 For MLIA rates for non-integral terms are interpolated.

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