Welcome to your new ManulifeMONEY+ Visa Infinite * Card GET CASHBACK REWARDS AND TRAVEL BENEFITS IN ONE

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1 Welcome to your new ManulifeMONEY+ Visa Infinite * Card GET CASHBACK REWARDS AND TRAVEL BENEFITS IN ONE

2 Welcome and congratulations! You ve just chosen an outstanding cash back credit card your new ManulifeMONEY+ Visa Infinite Card. You re almost ready to earn cash back rewards and receive travel benefits, all while enjoying a world of exclusive Visa Infinite benefits.

3 The power of accelerated cash back Make this your everyday credit card of choice. The more you use it, the more cash back you ll earn. 1 3 % 2 % CASH BACK AT GROCERY STORES CASH BACK ON AIRLINES AND HOTELS UNLIMITED CASH BACK ON ALL OTHER PURCHASES IT ADDS UP FAST For example, if you spend: Rewards 2 Annual Value $600 a month at grocery stores 3% $216 $5,000 a year on travel 2% $100 $1,500 a month on everything else, such as gas, shopping, restaurant 1% $180 meals, entertainment Additional savings: Manulife One monthly account SAVE $203 Fee Waiver 3 Total Value $699 This example is based on annual spending of $30,200 on the card. For more details on the Manulife One monthly account Fee Waiver, please see Exclusive Advantage for Manulife One Customers in this Guide.

4 Unlock the full benefits of your card Take advantage of all the features of your new ManulifeMONEY+ Visa Infinite Card and realize the full benefits of your card. n Maximize your cash back rewards Make this your primary credit card for everyday purchases Use it instead of debit and pay your balance in full each month Pay recurring bills n Make the most of the exclusive Visa Infinite Benefits described in this Guide n Learn how the insurance coverage on your card can help protect you when you travel and shop n Discover the additional savings available to Manulife One customers

5 Your Visa Infinite Card. One card. Many benefits. Welcome to a world of exclusive benefits, with your new ManulifeMONEY+ Visa Infinite Card. Visit visainfinite.ca to create your Visa Infinite profile and take advantage of your Visa Infinite Benefits: The Visa Infinite Concierge Service Consider this your own personal assistant, on call 24 hours a day, 7 days a week. Regardless of what s on your to-do list, the Visa Infinite Concierge Service will save you time and make it happen. n Hotel reservations n Tickets and event bookings n Car rentals n Restaurant and airline reservations Call toll-free anywhere in Canada or the U.S., or collect outside of Canada and the U.S. The Visa Infinite Luxury Hotel Collection Visa Infinite card members enjoy exclusive access to a portfolio of more than 900 of the world s most intriguing properties. Elevate your travel experience from booking to checkout with: n Best Available Rate Guarantee n Automatic Room Upgrade Upon Arrival n Complimentary In-Room WI-FI n Complimentary Daily Breakfast for Two n $25 Food or Beverage Credit n Late Check-Out Upon Request n VIP Guest Status Book your next stay at the Visa Infinite Luxury Hotel Collection by calling the Visa Infinite Concierge, or visit visainfinite.ca. Please refer to the Visa Infinite Benefits Terms and Conditions at the back of this Guide for full details.

6 The Visa Infinite Dining Series The Visa Infinite Dining Series presents extraordinary culinary explorations created by renowned chefs, and award-winning wines hand selected for members, by wine experts. Enjoy a fresh series of events, served twice a year in great cities from Vancouver and Calgary to Toronto, Ottawa and Montreal. Experience, enjoy, and savour the Visa Infinite Dining Series. Subscribe to Visa Infinite s to be among the first notified of upcoming dining events. Experience live entertainment Need seats to your favourite live act? Let the Visa Infinite Concierge show you the way. From headlining pop artists to emerging songwriters and internationally renowned theatre, there is nothing quite like a live performance to bring you to your feet. Simply call toll-free anywhere in Canada or the U.S., or collect outside of Canada and the U.S. Please refer to the Visa Infinite Benefits Terms and Conditions at the back of this Guide for full details.

7 The Visa Infinite Wine Country Program Start your next great adventure in the heart of Canada s wine country. n Exclusive discounts on wine purchases n Complimenatry tastings n Private vineyard tours in British Columbia and Ontario Visit visainfinite.ca to view the list of participating wineries and collection of exclusive benefits available to you. Your next great adventure starts here, with your ManulifeMONEY+ Visa Infinite Card. Please refer to the Visa Infinite Benefits Terms and Conditions at the back of this Guide for full details.

8 Insurance benefits for your security The more you know about your new ManulifeMONEY+ Visa Infinite Card, the more you can get out of it. Your extensive insurance coverage is an important benefit of your new card. This insurance helps provide protection when you travel and shop. Review the summary that follows to learn more. Please refer to the Certificates of Insurance included with your Cardholder Agreement for complete coverage details. For emergency assistance, insurance claims and more, call within Canada and the U.S., or call collect to Canada, where applicable, from all other locations. For Purchase Protection and Extended Warranty claims, call in Canada and the U.S. Airport lounge 40+ yo

9 Insurance 4 What s included Emergency Medical Insurance Travel with protection, whether you charged the trip to your card or not. You, your spouse and dependent children are automatically insured for eligible emergency medical and dental expenses. Rental Vehicle Damage Benefit from added protection when you rent a vehicle. Charge the full cost of your car rental to your ManulifeMONEY+ Visa Infinite Card and avoid the rental agency s Collision Damage Waiver or Loss Damage Waiver. Flight & Baggage Delay Take the stress out of delays. Charge your scheduled flight to your ManulifeMONEY+ Visa Infinite Card and receive coverage for expenses related to meals, accommodation and more when your flight is delayed, or your checked baggage is delayed, lost or damaged. Trip Interruption If your trip is interrupted due to an illness or injury, you can be protected. You, your spouse and your dependent children automatically have Trip Interruption Insurance for trips charged to your ManulifeMONEY+ Visa Infinite Card. Purchase Protection and Extended Warranty Run into a problem with a purchase made with the card or concerned about the warranty? We re here to help. Enjoy Purchase Protection and Extended Warranty on most new purchases made with your new card. Travel Accident You, your spouse and dependent children may be covered for up to $500,000 when you use your ManulifeMONEY+ Visa Infinite Card to book your trip on a common carrier, such as plane, ship or train.

10 Exclusive Advantage for Manulife One customers As a valued Manulife One customer, you can enjoy another way to save. By becoming a new ManulifeMONEY+ Visa Infinite Cardholder, you are entitled to a special bonus. We will waive your monthly Manulife One account fee for up to your first full year. 3 Plus, we ll continue waiving that fee each year if you spent $20,000 or more on your card in the prior year. This can add up to significant savings.

11 Visa Infinite Benefit Terms and Conditions You must be an eligible Visa Infinite Cardholder with a valid Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers terms and conditions (available at visainfinite.ca/infinite/ terms.jsp). The Visa Infinite privacy policy (available at visainfinite.ca/infinite/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of cardholders personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties own privacy policies. Visa Infinite Concierge The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for, these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor Manulife Bank is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders requests in all instances. There is no fee for the Concierge s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder s behalf. All costs will be charged directly to the cardholder s ManulifeMONEY+ Visa Infinite Card. Visit visainfinite.ca for full Terms & Conditions. * Trademark of Visa Int., used under licence. 1 You will earn 3% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). You will earn 2% cash back on the first $25,000 you spend annually at merchants classified in the Visa network as Hotels or Airlines (Merchant Code: , , 4511, 4722, 7011, 7012). All other purchases earn 1% cash back. The $25,000 annual spending limits will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers and payments. 2 Rewards are credited to the cardholder s statement on a quarterly basis, provided the Credit Card Account is in Good Standing. 3 Example based on standard monthly fee of $ We will waive your Manulife One monthly account fee only for your first 12 consecutive months (1 year) so long as your credit card account is open and in good standing. The Manulife One monthly account fee ($16.95 Regular and $9.95 Senior as of day of printing) is disclosed under Rates & Account Fees at manulifebankmortgages.ca. You will still be responsible for any other type of fee that may apply to your Manulife One account during the waiver period. Fees are subject to change at any time with 30 days prior written notice. Your Manulife One monthly account fee will be waived in each year if you spent a minimum of $20,000 in net purchases on your card in the prior year. For example, if you spent a minimum of $20,000 in net purchases on your card during the first year, your Manulife One monthly account fee will be waived in each month of the second year during which your account is open and in good standing. If you spent less than $20,000 in net purchases on your card during the first year, you will not be entitled to the Manulife One monthly account fee waiver in any month of the second year. If you then spent a minimum of $20,000 in net purchases on your card during the second year, you will be entitled to the Manulife One monthly account fee waiver in each month of the third year during which your account is open and in good standing. Annual spending is based on the anniversary of the date you opened your credit card account and ends 12 months later. Year-to-date annual spending will appear on your monthly credit card statement. The monthly account fee will reappear on your next Manulife One statement after the initial 12 month waiver period has elapsed or in any subsequent year if the total amount of net purchases on your card in the prior year is less than $20,000. Applies only to a personal Manulife One account for which the primary cardholder is the sole or joint Manulife One account holder. Offer is only available to first time ManulifeMONEY+ Visa Infinite Primary Cardholders and applies only to one Manulife One account per primary cardholder. Offer may be changed or withdrawn at any time without prior notice. 4 Insurance is subject to exclusions, limitations and conditions. Please refer to the Certificates of Insurance included with your Cardholder Agreement for complete details on each benefit. Read the Certificates of Insurance then keep the Cardholder Agreement in a safe place with your other valuable documents, and take it with you when you travel.

12 Important numbers to keep on hand For card information or to report a lost or stolen card Call within Canada and the U.S., or call collect from all other locations. For travel protection and emergency travel assistance Call within Canada and the U.S., or call collect to Canada, where available, from anywhere else in the world. For Purchase Protection and Extended Warranty claims Call within Canada and the U.S. For Visa Infinite Concierge Service Call within Canada and the U.S., or call collect from all other locations. Insurance is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Manulife, Manulife Bank, ManulifeMONEY+, the Block Design, the Four Cube Design, and Strong Reliable Trustworthy Forwardthinking are trademarks of The Manufacturers Life Insurance Company of Canada and are used by it, and Manulife Bank of Canada, under licence. AB0767E 04/18 17X05381