Manulife One services and fees (Effective August 12, 2012)

Monthly fee: $14 (Clients age 65+: $7)

This fee includes unlimited monthly:

• cheque writing
• deposits
• debit card purchases
• Automated Banking Machine^* (ABM) deposits and withdrawals within Canada
• Fund transfers, bill payments and pre-authorized payments
• Internet and telephone banking services

NEW! Use your Manulife Bank MasterCard^® to offset your Manulife One monthly administration fee.

^*Note: Manulife Bank is a member of THE EXCHANGE^® ABM Network. Deposits and no-user fee withdrawals can be made at these ABMs.

Transaction processing times

ADMINISTRATION FEE
Monthly fee (regular)	$14.00/month
Monthly fee (seniors1)	$7.00/month
DEPOSITS
Fund transfers	no charge
Interac® e-Transfer2	no charge
Direct deposits	no charge
ABM deposits	no charge
Mail in cheque	no charge
WITHDRAWALS
Cheques	no charge
ABM withdrawals in Canada3	no charge
ABM withdrawals outside of Canada	$2.50
Direct Payment -debit (outside Canada)	$0.50
Bill payments	no charge
Pre–authorized payments	no charge
Interac e-Transfer
First Interac e-Transfer per month	no charge
Subsequent Interac e-Transfers	$1.25
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. Clients who have chosen not to receive paper statements may find any changes posted online.
• 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 EXCHANGE^®3 logo in Canada, you can avoid paying the convenience fee charged by many financial institutions.

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.

ADMINISTRATION FEE	Hold period (business days)
Cheque or Electronic Funds Transfer drawn on another Canadian financial institution.
less than or equal to $1,500.00 greater than $1,500.00	2 - 5   2 - 8
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.