Manulife Securities Inc.

Manulife Securities Inc.

Manulife Securities Inc. is registered as an Investment Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds, stocks, bonds and other securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Investment Dealers Association of Canada (” IDA “), Manulife Securities Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Inc.:

• Income Tax Preparation;

• Insurance: Life, Accident, Sickness, Disability, General.

Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.”

Manulife Insurance Services Inc.

Manulife Insurance Services Inc. is an independent broker providing life, disability and income replacement products, as well as segregated funds**. Product diversification allows us to provide our clients with a full range of insurance products aimed at wealth preservation.

*Upon request, you can receive a CIPF brochure. **Segregated funds are only available through representatives licensed to sell insurance products.

For more information, please visit the Berkshire website at www.manulife.ca