Grow your business with banking solutions
Banking, the way it should be.
®
Your clients, your advice…your bank
A few great reasons to provide bank products to your clients
• You have the expertise to help your clients get the best rates and most competitive banking products available. • By integrating banking products into their broader financial plan, you can help your clients achieve their financial goals more quickly. • Knowing where all your clients’ money is gives you the opportunity to increase your influence over more of their financial decisions. • Our unique debt-management and wealth creation products help you to help your clients manage both sides of their balance sheet to succeed in the plans you create. • You’ll enhance your compensation but, more importantly, it’s more cost-effective to market new products to existing clients and help you reduce competitive influences on them. By meeting your clients’ banking needs, in addition to their insurance and investment needs, you’ll be providing them with everything they need to fulfill the financial plan you create together. This is key in ensuring that Manulife Bank is different because we offer our products and services through financial advisors – and have been doing so since 1993. We believe that all financial decisions should be made with the help and insight of a trusted advisor. We’ll help you provide your clients with the banking products that will put your wealth creation and debt-management plans into action. Also, because Manulife Bank has innovative products, great rates and excellent customer service, you will enhance your client relationships by exceeding their expectations. Take a look at the variety of products that can enhance what you currently offer. Together, we’ll give your clients the solutions and service they deserve by providing them with Banking, the way it should be. your clients don’t turn to another financial institution to meet their needs. Banking solutions build and protect your business by putting yourself in a stronger advisory position. Our goal is to see you virtually eliminate the competition by meeting all of your clients’ financial needs.
We’re your bank
Loan products
Quick Loans*
Manulife Bank Quick Loans ($10,000 - $250,000) are ideal for investors wishing to borrow 100 percent of their investment amount. They feature no margin calls, a one-step application process and interest-only payments.
Mortgages
Manulife
one
one
Canada’s first flexible mortgage account, Manulife is an all-in-one personal borrowing and chequing
account that can potentially save your clients thousands. Because their income and debts are combined, every time your client gets paid, it pays down the principal and saves them interest costs. Manulife delivers savings and satisfaction.
Custom Loans*
The Manulife Bank Custom Loan program ($250,000+) is designed for sophisticated investors who wish to borrow larger amounts and for non-personal clients who wish to make use of investment leverage. They feature a 3:1 financing ratio, no margin calls, choice of interestonly or interest and principal (up to 20 years) payments, and a floating interest rate.
one truly
Manulife
one
Creditor Insurance
Manulife One Creditor Insurance is affordable, convenient and competitively priced. It's an excellent way to start, or to improve your clients’ personal insurance program. Your new and existing Manulife
one clients can obtain life, disability and job loss
protection.
RRSP Loans
Manulife Bank’s RRSP loan program focuses on competitive short-term, floating rate loans to fund the purchase of registered investment products offered by Manulife Bank and Manulife Investments.
Preferred Rate Mortgage
The Preferred Rate Mortgage offers some of the lowest fixed rates available. Its no-hassle, no-haggle, highly competitive rates deliver great savings, now and at every renewal.
Access Line of Credit and Access Line of Credit Plus
Clients who own select Manulife Bank, Manulife Investments and Manulife Financial products may qualify for Access Line of Credit or Access Line of Credit Plus. Designed to meet short-term financing needs, Access Line offers a competitive interest rate and convenient access by ABM withdrawal, cheque and direct payment.
Credit Card
Platinum Plus® MasterCard® with WorldPoints®
Give your clients Manulife Bank's Platinum Plus MasterCard with WorldPoints and, with every net retail purchase they make, they'll earn WorldPoints that can be redeemed for merchandise, travel and gift certificates and you'll earn compensation.
Insured Retirement Program (IRP)
The Insured Retirement Program transforms a life insurance policy and a bank line of credit into the potential for tax-deferred accumulation of funds today and tax-free access to funds in the future.
Deposit products
Advantage Account
Advantage Account is a high-interest, low-fee chequing account that requires no minimum deposit. It features the liquidity of a traditional chequing account and an interest rate similar to a short-term GIC or money market fund. Advantage Account's features and benefits are unrivalled in the marketplace.
Tax-Free Advantage Account
Tax-Free Advantage Account is a high-interest investment account that offers a tax-free way to save for both shortterm and long-term goals. The money is not locked-in and can be used for any purpose. Clients earn a high rate of interest and they can keep it all for themselves.
Guaranteed Investment Certificates Business Advantage Account
Business Advantage Account is a high-interest investment account that is an ideal complement to a traditional operating account. Business owners can transfer or deposit excess cash into the account and easily access it again when they need it. Clients earn a high rate of interest without having to manage T-bills or buy money market funds. Manulife Bank offers some of the best GIC rates in Canada. With a minimum deposit of $2,500 ($10,000 for monthly interest), clients can get a 1 - 5 year GIC.
Short-term Deposits
Manulife Bank Short-term Deposits (30 - 364 day GICs) allow investors to invest at a fixed rate for less than a year without "locking-in" the deposit.
Registered Advantage Account
Registered Advantage Account is a high-interest investment account that offers a short-term alternative to meet your clients RRSP needs. Whether it's giving them time to determine a long-term strategy, or used as a high interest component of their low-risk registered portfolio, it's an excellent alternative to money market funds and short-term GICs.
Investment Savings Account
Investment Savings Account (including F-Class and $US accounts) enables you to offer your on-book (Nominee Name) clients convenience and growth for their cash. It will be earning one of the best returns for a savings account with simple access features.
$US Advantage Account
$US Advantage Account is a high-interest investment account that can help your clients' U.S. cash continue to grow until it's needed.
$US Business Advantage Account
$US Business Advantage Account works in conjunction with a business' existing $US account at a Canadian financial institution and provides a high rate of interest for every U.S. dollar on deposit.
How to contact us
Advisor support
We’re here to support you in offering your clients the best products and services available. If you have questions regarding Manulife Bank and our products, or would like to order marketing materials, please call our advisor support line at 1-800-567-9170 (Option 1).
Visit our advisor website
Repsource, at manulife.ca/repsource, is Manulife's website for advisors. It is your primary source for marketing, product and client information for Manulife Bank products and all Manulife Financial products.
Client Services Manulife Bank Regional Directors
Regional Directors are here to provide you with product training, sales support and advice as you meet your clients’ needs. Call your local Regional Director at 1-800-567-9170 (Option 2) for the support and resources you need to help your clients achieve their financial goals. Manulife Bank of Canada Phone: 1-877-765-2265 Fax: 1-877-565-2265 Email: manulife_bank@manulife.com Website: manulifebank.ca
Mailing Address
Delivery Station 500 M-A 500 King St. North PO BOX 1602 STN WATERLOO Waterloo, Ontario N2J 4C6
Manulife Bank Banking Consultants
Banking Consultants are your Manulife
one and
mortgage specialists. They will do all the work to close the sale with your select clients. To find the complete list of more than 150 Banking Consultants across Canada, visit manulifeone.ca.
Banking, the way it should be.
®
Banking products are an essential part of a successful financial plan. That’s why we offer our banking products through financial advisors. Since every client has unique financial needs, their advisor can recommend banking products to help them achieve their goals sooner. Manulife Bank is wholly-owned by Manulife Financial, one of Canada’s largest and most respected financial institutions. Our innovative products and great rates help Canadians make their money work harder and give them access to cash for their financial needs. Make a break from traditional banking and discover Banking, the way it should be.
* Borrowing to invest may be appropriate only for investors with higher risk tolerance. Your clients should be fully aware of the risks and benefits associated with investment loans since losses as well as gains may be magnified. Preferred candidates are those willing to invest for the long term and not averse to increased risk. The value of your client's investment will vary and is not guaranteed, however they must meet their loan and income tax obligations and repay their loan in full. Please ensure clients read the terms of their loan agreement and the investment details for important information. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator, and does not provide investment advice of any nature to individuals or Advisors. The Dealer and Advisor are responsible for determining the appropriateness of investments for their clients and informing them of the risks associated with borrowing to invest. MBNA Canada Bank is the exclusive issuer and administrator of the MBNA Platinum Plus WorldPoints credit card program in Canada. MBNA, MBNA Canada, MBNA Canada Bank, MBNA Platinum Plus,WorldPoints, the MBNA logo and tree symbol are all trademarks of MBNA America Bank, N.A., used by MBNA Canada Bank pursuant to licence. Banking, the way it should be.® Registered trademark of The Manufacturers Life Insurance Company used under licence.
All products are offered through Manulife Bank of Canada.
Manulife, Manulife one and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation.
AB0405E (02/2009)