Name, DESIGNATIONTitle, Company NameDate

2013 RRSP Loan ProgramEdward Jones

Agenda

RRSP Loan details

Before you begin

Selecting a sales process

BankLink— Launching BankLink

— Your BankLink dashboard

— Completing the loan application

— Tracking your loans

— Application tips

— Obtaining support

RRSP Loan details

Interest rate: Manulife Bank Prime Rate + 0.50%*

Loan term: Loan terms of 12 months

No penalty for early repayment

Minimum loan: $1,000

Maximum loan: $23,000

Application Fees: None

Underwriting: Underwriting consists of a credit review. In certain cases, Manulife Bank may require additional information and may contact your client directly.

Investment options: Any investment available on the Edward Jones self-directed RRSP platform. For off-book accounts, Manulife segregated funds and fixed annuities.

Payment options: Regular option: Equal payments made over 12 consecutive months

90-day deferred payment option: Equal payments made over 9 consecutive months Interest begins to accrue when loan is advanced

*As at October 1, 2012 Manulife Bank’s Prime Rate is 3.00% and the Annual Percentage Rate (APR) is 3.50%. The APR is based on a one-year term with 12 regular monthly payments. Rates are variable and subject to change.

Before you begin

Manulife Bank RRSP Loan applications must be submitted online using BankLink.

Ensure you have a current Repsource ID and password at manulife.ca/repsource

Ensure you have version 7 or higher of the Acrobat® Reader® software

Ensure your computer is connected to a printer

Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries.

Selecting a sales process

Sale made in your office (recommended) Complete the online application with your client

Have them sign the loan documents all in one meeting

It should take you about 10 minutes to complete the online application

Sale made away from office after prior discussion with client Confirm with your client over the phone that they would like to proceed with an

application

Start the online application and bring system-generated forms to your client meeting for signatures

Upon your return to the office, complete the online application

Sale made away from office without prior discussion with client Complete the Client Authorization Form (AB0404E) during client meeting

Upon return to the office, complete the online application

BankLink is our online application and client information tool.

Easier than ever to provide your clients with an RRSP Loan

Guides you step-by-step through the application process

Pre-populates client’s information

Request a pre-approval

Save and close the application and return to complete it later

Provides a customized instruction sheet and loan documents

Track the status of your loans on the BankLink homepage

Launching BankLink

Login to Repsource here

Click here if you don’t have a Repsource ID

Login to Repsource at manulife.ca/rrsploan

Launching BankLink

Application instructions are available on the BankLink welcome page.

Application instructions

Launching BankLink

Select “Start” on the welcome page

Click “Start” button

Your BankLink dashboard

Homepage displays the status of all your loan applications

Completing the loan application

To start a new application, select “Apply for a product” from the “My Options” menu

Click here to begin an application

Completing the loan applicationPick your appropriate advisor code

Search to see if we already have information about your client

Select your advisor code

Search by client name or SIN

Dealer-rep codes should not be used on BankLink PERIOD

Completing the loan application

Choose a new or existing client and select a product

Begin an application for an existing client

Begin an application for a new client

Completing the loan application

Completing the loan application

Complete the applicant information (for new clients)

Mandatory fields in yellow

Completing the loan application

Summary of your progress through the application

Complete the disclosure information

Completing the loan application

Request a pre-approval (optional)

Click here to request pre-approval

Pre-approval status appears in the

information bar

Completing the loan application

Complete the income information

Click here to exit an application

Click here to save an application

Investment options – Edward Jones

Complete the investment information based on options for Edward Jones advisors

Investment options – completing the screen

Complete the investment information based on options for all other advisors

Enter Edward Jones 10 digit account number here. Do not

select ‘New Investment’

Completing the loan application

View the sample cheque if you’re not sure which numbers go where

Complete the payment information

Payment terms

Edward Jones – 12 month terms only!

Completing the loan application

Select “submit” to complete the loan application

You must click “Submit”, even if you’ve already requested pre-

approval

Status of the loan application

Completing the loan application

Print the loan documents, obtain client signature and fax to Manulife Bank.

Click here to open a window with the loan documents

Print now or save a copy to print later

Tracking your loans

You can track the status of your loans on the dashboard

View the status of your loans

Application tips

You must select the “submit” button to complete the application process

— Even if you’ve previously requested a pre-approval

RRSP loan documents should be faxed to Manulife Bank — No need to forward originals

— Do not fax and mail the documents (this may result in two loans being funded)

For your own personal loan application— Have another advisor or licensed marketing assistant sign the

Representative assertions section

Obtaining Support

Click here for support

If you require assistance with the application, click on “Need Help?”

Important Notes

Borrowing to invest in an RRSP may not be appropriate for everyone. Your clients will need the financial means to meet their loan obligations. In addition, investments held in an RRSP may fluctuate in value. Your clients should be aware that, regardless of their RRSP’s performance or value of any investments held in their RRSP, they will be required to meet their loan obligations 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.

 

RRSP Loans are offered through Manulife Bank of Canada.

Manulife, Manulife Bank, the Manulife Bank For Your Future logo, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Thank you