Manulife Bank Current Rates

Interest rates as at Saturday, October 11, 2008

Check Manulife Bank's past rates

Prime Lending Rate		4.500%

Deposit Accounts
Advantage Account		2.900%

Business Advantage Account

2.900%

Registered Advantage Account

2.900%

$US Advantage Account

2.050%

$US Business Advantage Account

2.050%

Interest is calculated on the closing daily balance and paid monthly.

Dealer Trust Accounts
Investment Savings Account (MIP 510)		3.000%

Interest is calculated on the closing daily balance and paid monthly.

Short-term Deposits (RSP and non-registered)

Days	$25,000 - $49,999.99	$50,000 - $99,999.99	$100,000 +
30 - 59 Days	3.100%	3.100%	3.100%
60 - 89 Days	3.150%	3.150%	3.150%
90 - 179 Days	3.250%	3.250%	3.250%
180 - 269 Days	3.350%	3.350%	3.350%
270 - 364 Days	3.400%	3.400%	3.400%

Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days from issuance. If redeemed on or after 30 days but before maturity, a 1.25% reduction in interest rate will apply. Interest is prorated to the number of days. A $25.00 [early] redemption fee will also be charged. Refer to the GIC Confirmation for details.

Guaranteed Investment Certificates (RSP and non-registered)

Term	Annual interest	Semi-annual interest	Monthly interest
1 Year	3.600%	3.475%	3.350%
2 Year	4.000%	3.875%	3.750%
3 Year	4.300%	4.175%	4.050%
4 Year	4.400%	4.275%	4.150%
5 Year	4.500%	4.375%	4.250%

Not redeemable before maturity except upon death. Minimum $2,500 investment ($10,000 for monthly rates). For compound interest certificates, use annual rates. Semi-annual and monthly interest available for non-registered certificates only.

Manulife Bank's posted deposit rates are effective for new initial deposit amounts of up to $2 million. For amounts greater than $2 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265.

Manulife One

Base Lending Rate		4.750%
Credit rate for positive balances		2.900%

Term *APR [%] 1 Year 5.750% 2 Year 5.750% 3 Year 5.750% 4 Year 5.900% 5 Year 6.000%

Interest is calculated monthly, not in advance.

*Annual Percentage Rate. See “Cost of Borrowing” for more information.

Manulife One fees
*Cost of borrowing

Preferred Rate Mortgage

Term	*APR [%]
6 Month Closed	6.500%
1 Year Open	6.800%
1 Year Closed	5.750%
2 Year Closed	5.750%
3 Year Closed	5.750%
4 Year Closed	5.900%
5 Year Closed	6.000%
7 year Closed	6.500%
10 year Closed	6.750%

Interest is calculated semi-annually, not in advance.

*Annual Percentage Rate. See “Cost of Borrowing” for more information.

*Cost of borrowing

Investment Loans
Quick Loans		5.250%
Custom Loans		4.500%
RRSP Loans
Standard RRSP Loans		4.500%
Lines of Credit
Access Line of Credit/Plus		5.500%

Accounts no longer offered for sale
Founding Members Account		2.900%

Manuplus

$0 - $2,999.99	0.000%
$3,000 - $9,999.99	1.250%
$10,000 - $24,999.99	1.750%
$25,000 - $49,999.99	2.000%
$50,000 - $99,999.99	2.250%
$100,000 +	2.500%

Interest is calculated on the closing daily balance and paid monthly. The applicable tier rate is paid on every dollar.

All rates are annual rates unless otherwise stated and are subject to change without notice.