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Manulife One services and fees
(Effective March 1, 2008)

Transaction processing times

ADMINISTRATION FEE
Monthy fee (regular)		$14.00/month
Monthly fee (seniors¹)		$7.00/month
DEPOSITS
Fund transfers		no charge
Direct deposits		no charge
ABM deposits		no charge
Mail in cheque		no charge
WITHDRAWALS
Cheques		no charge
Automated Bank Machine
	In Canada²	no charge
	Outside Canada	$2.50
Direct Payment -debit (outside Canada)		$0.50
Bill payments		no charge
Pre-authorized payments		no charge
Transfers
	Client initiated	no charge
	Manulife Bank initiated	$5.00
Wire transfers (other Bank charges may also apply)
	$10,000 or less	$25.00
	$10,001 - $50,000	$40.00
	$50,001+	$50.00
	Incoming wire transfer	$10.00
OTHER CHARGES
Statement
	Monthly statement	no charge
	Duplicate statement (mailed)	$2.00
Overdraft interest (calculated on daily closing balance, charged monthly)		21%/year
NSF item processing
	If returned	$35.00
	If paid (overdraft interest applies)	$5.00
Stop payment		$10.00
Official cheque (in lieu of certified cheque)		$6.00
Outgoing cheque collection		$50.00
Personalized cheques
	Cheques can be ordered in quantities of 50 or 100. Pricing is available through Internet banking services. To order cheques or for a full list of product, visit Davis and Henderson's website at www.dhltd.com or call 1-877-448-1294. Please note that, for security reasons, all first-time orders or requests for name and/or address changes must be processed through Manulife Bank. Please contact us.
Using a non-MICR encoded cheque (i.e. photocopy)		$10.00
Foreign funds
	To process cheque written in foreign currency to your Canadian dollar account (excluding travellers' cheques)	$10.00
	Returned foreign deposit	$10.00
Searches / Notices
	Search and photocopy an item within the past 90 days	$5.00
	Search and photocopy an item processed more than 90 days ago	$10.00
	Detailed recap of account transactions	$15.00/ hour
	Confirmation of account/audit confirmation	$10.00
	Bill payment investigation/refund	$15.00

This sets out all charges for services provided by Manulife Bank of Canada for its Manulife One account.

Service charges are subject to change with at least 30 days prior written notice.
All fees presented on a per item basis, unless otherwise stated.
Charges are automatically applied to your account.
By using your Manulife Bank Access Card in ABMs displaying THE EXCHANGE³ logo in Canada, you can avoid paying the convenience fee charged by many financial institutions.

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Transaction processing times

Depending on your transaction, processing times vary. Allow sufficient time for your bill payments to be processed to your billing company and funds transfers to clear your account at your other financial institution.

		Hold period (business days)
Cheque or Electronic Funds Transfer drawn on another Canadian financial institution.		2 - 6
Cheque or other instrument drawn on a U.S. financial institution.		15 - 30
Cheque or other instrument drawn on other foreign financial institution.		30 - 45
	.

Please refer to your operating agreement for our hold funds policy or contact us for further details.

The cost of borrowing for Manulife One.

Fees are subject to change.

¹If any person on the account is 65 years of age or older.
²Unless you use THE EXCHANGE ABMs in Canada, you may incur additional ABM convenience fees charged by many financial institutions.
³THE EXCHANGE^® and THE EXCHANGE & Design^® are registered trademarks owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership. Manulife Bank of Canada is an authorized user of the mark. Use the ABM locator to find THE EXCHANGE Network ABMs nearest you.