This material has been prepared to provide information on the products and services offered through your Manulife Securities Investment Services Inc. (MSISI) Advisor. Manulife Securities is a Trade Name used by the related companies MSI (an Investment dealer) and MSISI (mutual fund dealer). Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which in turn is 100% owned by the Manulife Financial Corporation a publically traded company. Please confirm with your Advisor which company you are dealing with for each of your products and services. Details regarding all affiliated companies of MLI are provided in the Important Client Information Brochure which can be found on the Manulife Securities website www.manulifesecurities.ca. 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). Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada, additional disclosure information will be provided by your Advisor upon referral. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using case resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.