The information contained herein is for Canadian residents only and does not

constitute an offer to sell or a solicitation in any jurisdiction in which

Manulife Securities or its Advisors are not appropriately licensed or

registered or where any Product or Service is not eligible for sale.

Details are available on request.

Manulife Securities Investment Services Inc. is registered in Manitoba as a

Mutual Fund Dealer

Manulife Securities and the block design are registered service marks and

trade marks of The Manufacturers Life Insurance Company and are used by it

and its affiliates including Manulife Securities Investment Services Inc.

Manulife Securities Investment Services Inc. is a Member MFDA IPC

Manulife Securities Investment Services Inc. is registered as a Mutual Fund

Dealer, or its equivalent, with the provincial securities commissions and as

such our Advisors are entitled to sell mutual funds and other approved

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 Mutual Fund Dealers Association of Canada ("MFDA"), Manulife

Securities Investment Services Inc. is obligated to disclose to you that you

may be dealing with companies other than Manulife Securities Investment

Services 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 Investment Services

Inc.:

* Deposit Instruments: GICs, Canada Savings Bonds;

* Fee for Service Financial Planning;

* Estate Planning;

* Tax Planning or 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.

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