Specialty account types are GICs that can diversify and add flexibility to a portfolio. Specialty account types from Manulife Investment Management offer very competitive rates and 30-day rate guarantees. In addition, a Manulife Investments GIC provides insurance company benefits, such as tax advantages for nonregistered contracts, the ability to pass on money tax free to beneficiaries, and potential creditor protection. A large case program¹ is also available for investors with GIC assets of $500,000 or more.

Two investment options are available:

1. Laddered GIC Account

• Helps provide protection against fluctuating interest rates
• Offers diversification as a portion of the investment matures each year and is reinvested at attractive long-term rates
• Provides the flexibility to cash in if the need arises²

2. Escalating Rate GIC Account:

• The interest rate is guaranteed to increase each year of the term
• Has a higher effective yield to maturity than the corresponding basic GIC account (cashable) rate
• Offers the ability to lock in now for attractive rates in later years
• Provides the flexibility to cash in if the need arises²

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