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Mutual fund products and services are offered through MSISI, Manulife Securities Investment Services Inc. is a Member of the Mutual Fund Dealers Association of Canada and the MFDA Investment Protection Corporation (excluding Quebec). Insurance products and services unless otherwise noted by your Advisor are offered through Manulife Securities Insurance Inc. (in the province of BC operating as Manulife Securities Insurance Agency) Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided upon referral. The Manulife Bank Advantage Account is offered by Ray Bukovy through referral arrangement with their Insurance business (Bukovy Financial Services Ltd o/a Bukovy Financial Services) and is separate from Manulife Securities Investment Services Inc. product offerings. Please confirm with your Advisor which company you are dealing with for each of your products and services.

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