2. We only recommend products from high quality companies widely known for their ability to deliver on their promises.

3. We will maintain your file completely confidential and will release your information to no one unless required by law or directed by you.

4. All of our recommendations will be based on a thorough understanding of your situation and complete “Know your Client” documentation.

5. You will receive regular communication from us and we will advise you of circumstances that could affect your situation as we become aware of them.

6. We will offer you a review of your situation no less than every twelve (12) months to allow you to make any modifications to your programs as required.

7. We will continue to study our specialty and directly related fields in excess of regulatory standards to enable us to provide you with effective advice and information.

8. We will respond to your questions and comments as soon as possible.

9. We will treat all referrals from you with the same respect and professionalism we do you and realize that an endorsed referral is the highest praise we can receive for our work.

10. We will always hold your needs above our own.

Manulife Securities Investment Services Inc. is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-800-991-2121.