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Stocks, bonds and mutual funds are offered through Manulife Securities Incorporated. Insurance products and services are offered through Kapil Financial Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

This material has been prepared to provide information on the products and services offered through your Manulife Securities Incorporated (MSI). Manulife Securities is a Trade Name used by the related companies MSI (an Investment 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. Stocks, bonds and mutual fund products and services are offered through MSI, Manulife Securities Incorporated is a Member of the Canadian Investor Protection Fund and a Member of the Investment Industry Regulatory Organization of Canada. 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

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