“WE ARE WHAT WE REPEATEDLY DO

therefore

EXCELLENCE IS NOT AN ACT BUT A HABIT.”~ ARISTOTLE

NewsletterApril 2014

Compliance - New Logo Use Rules

- Representation Material Request(Commissions withheld if the above is not returned)

- Computer Policies - Boardroom & Meeting Room Usage

- Clients in Office Reminder- Smoking Policy

- Printing Allotment

Anti-Money Laundering UpdatesReferrals (bonus $)

Admin Role ChangesGeneral Insurance Roles

SSQ (bonus $)Manulife 2014/15 Conference

Canada Life UpdatesOffice charges/fees & Insurance Minimums

Software Versions

REMINDER

Life License Fillings Are DueAt The End of MAY

Please check your CE Credits

Many insurance companies haveonline CE credit eligible courses.

Applications have been mailed andwill be available for download

on the Insurance Council websiteAPRIL 15

Please do not wait until the last minute!

Phone: 604 267-1833!Fax: 604 872-8896!

wyu@pacificplacegroup.com!!PPG Logo and Company Name(s) Use Request

!Overview: Paci!c Place Group Enterprises, Paci!c Place - Financial Services Inc, Paci!c Place - Arc Realty Ltd, Paci!c Place Insurance Services Inc, Paci!c Place Evergreen Realty Ltd herea"er referred to as “Paci!c Place”, is dedicated to supporting contracted insurance advisors, real estate agents and insurance brokers in successfully and consistently representing Paci!c Place Group Enterprises and all its subsidiaries. Use of the logo and company name(s) without express permission from Paci!c Place is prohibited. !Requests for Use: Request for logo and company name(s) use should address the following: 1. How will the logo and company name(s) be used? (Will it be used on business cards, letterheads, &yers, posters, websites, etc...if so how will it be used/displayed?) !!!2. Will the Logo and company name(s) be used on the above material in conjunction with the marketing of any other company name or service that Paci!c Place does not provide? !!!3. If the logo and company name(s) is to be used in conjunction with an event who will attend and/or bene!t from the event? What other groups will be involved in the event? !!Additional Information: !Contact Name:__________________________ Phone:___________________________ !Email:_________________________________ Fax:_____________________________ !Adress: _______________________________City_____________________PC__________

!PPG Logo and Company Name(s) Use Agreement

! Paci!c Place Group Enterprises, Paci!c Place - Financial Services Inc, Paci!c Place - Arc Realty Ltd, Paci!c Place Insurance Services Inc, Paci!c Place Evergreen Realty Ltd (Paci!c Place) hereby grant to the party identi!ed below, the licensee a non-exclusive, non-transferable license and permission to use and display the Paci!c Place logo and company name(s) subject to the party agreeing to the following terms and conditions: !1. 'e License shall not make any alterations (including colour) to the logo and company name(s), or adapt the logo and company name(s) as part of another symbol or mark. !2. 'e License shall use the logo and company name(s) in accordance with speci!cations and purpose set out in their formal request for use. !3. 'e License shall not use the logo and company name(s) for any commercial purposes, including clothing and memorabilia, unless authorized by Paci!c Place with a signed license agreement. !4. 'e License shall not grant permission to any other person to use the logo and company name(s). !5. 'e License’s use of the logo and company name(s) will adhere to Paci!c Place policies with respect to diversity, race relations and accessibility. !6. 'e License agrees to send Paci!c Place copies of all materials (print, video, website, etc.) where the logo and company name(s) is used. !7. 'e License acknowledges that Paci!c Place assumes no liability in respect of my use of the logo and company name(s). !8. An advisor/agent/broker may only be permitted to use the company names they are contracted with. Paci!c Place Group Enterprises (All), Paci!c Place - Financial Services Inc (Life), Paci!c Place - Arc Realty Ltd (Real Estate), Paci!c Place Insurance Services Inc (General/ Auto), Paci!c Place Evergreen Realty Ltd (Real Estate Property Management). !

!9. Paci!c Place reserves the right to determine logo and company name(s) usage immediately if there is a breach with paragraphs 1 to 8 noted above. Paci!c Place also reserves the right to amend policies and requirements for logo and company name(s) use in the future which all existing licencees will be required to comply with. !10. If a licencee receives notice to cease and desist use of the logo and company name(s), the licencee has 7days to remove from signage and websites unless a written exception has been provided. On day 8, a $500 !ne will be applied and $100 for every day therea"er. If promotional material such as business cards, letterheads, &yers continue to display the logo and company name(s) a"er a cease and desist date, there will be a $500 !ne for the !rst o)ence, a $1000 !ne for the second o)ence and a $2500 !ne and contract termination/legal action with the third o)ence. !'e license hereby accepts all of the conditions with respect to the use of the logo and company name(s) as set out in paragraphs 1 to 10. Dated this _________day of __________, 2014. !Licencee Name:__________________________ Phone:___________________________ !Email:_________________________________ Fax:_____________________________ !Adress: ________________________________City_____________________PC__________ !!________________________________________Dated this _________day of __________, 2014 (Signature, Name and Title of Licencee) !!Approved By:____________________________ Phone:___________________________ !Email:_________________________________ Approval Date:_______________________ !!________________________________________Dated this _________day of __________, 2014 (Signature, Name and Title of Approving O*cial on Behalf of Paci!c Place Group Enterprises, Paci!c Place - Financial Services Inc, Paci!c Place - Arc Realty Ltd, Paci!c Place Insurance Services Inc, Paci!c Place Evergreen Realty Ltd)

Compliance Request for Representation MaterialDue by April 30, 2014 or commissions will be withheld

In order to keep Paci!c Place Group (PPG) and all its entities (Paci!c Place Arc-Realty Ltd, Paci!c Place Financial Services Inc, Paci!c Place Insurance Services Inc, Paci!c Evergreen Realty Ltd.) compliant in increasingly regulated industries, we are requesting that all brokersprovide PPG with a copy of all material that they use to hold themselves out on printed or digital material in regards to all activities with any PPG entity. All representation materialwill be kept in your PPG !le and will be updated on an annual basis as required by ICBC, FICOM & OSFI.___________________________________________________________Please complete and submit this form with accompanying material.

Name __________________________ PPG Broker # ___________________

Company / Trade Name __________________________

( Licenses Held )

___ Real Estate License, ___ Life / A&S License, ___ Mutual Funds License, ___ General Insurance License

( Material - Please attach along with this form )

___ Business Cards ___ Letterheads ___ Pamphlets ___ Publication Advertisements

___ Envelopes Other Material __________________________

Website Address __________________________

Email Address __________________________

Primary Business Phone __________________(Ext)________

Mobile Phone __________________________

Fax Number __________________________

Business Address __________________________________________

__________________________(PC)_____________

PPG Computer Policy

As every broker now has their own PPG broker code and password, these credentials will be integrated into our 2 Real Estate and 3 Insurance computersin the back. Your credentials will be required for login. Each broker will have adaily 2 hour limit on these machines. As changes are applied, signage will be posted at these stations.

Real Estate Agents will be limited to the computers labeled RealEstate1 &RealEstate2, Life Insurance Advisors will be limited to the computers labeledInsurance1, Insurance2, & Insurance3.

* Real estate computers will be limited to real estate functions/websites.* Insurance computers will be limited to insurance/investment functions/websites.* Dual licensed brokers that pay o!ce fees and are contracted for both real estate and insurance will have access to both.

Work Laptop/Computer Tech Support

Tech support will not be available on computers that do not have a validsubscription based anti-virus. A large percentages of computer issues arecaused by viruses and malware.

Free Support: Illustration software installation help, printer driver installation,and connecting to the network.

$ Fee for Service Support: Complete illustration software installation, hardwareissues, virus/malware issues, personal computer support, new computer setupetc.$50 - $75/hour depending on issue

Boardroom / Meeting Room Bookings/Usage

Boardroom / Meeting Rooms are for use by brokers for Paci!c Place Group (PPG) (Paci!c Place Arc-Realty Ltd, Paci!c Place Financial Services Inc, Paci!c Place Insurance Services Inc, Paci!c Evergreen Realty Ltd.) related business for which you are licensed and contracted with Paci!c Place Group for. Failure to comply will result in loss of privilege to book or use in the future.

For liability concerns, if you are not contracted with Paci!c Place Group (Paci!c Place Arc-Realty Ltd, Paci!c Place Financial Services Inc, Paci!c Place Insurance Services Inc, Paci!c Evergreen Realty Ltd.) in a speci!c !eld, use of PPG facilities to conduct such business may be viewed as misrepresentation and will be dealt with accordingly.

Our O"ce is a NON SMOKING Facility

It was brought to our attention by Ivanhoe Cambridge Property Management that several people viewed an individual smoking on our o"ce balcony. We were able to con!rm with whom it was thanks to our surveillance system and dealt with the situation.

City and mall bylaws prohibit smoking inside the mall, o"ce tower or o"ce tower balcony.

If you or your client are caught smoking in o"ce or on the balcony, there will be a$2500 !ne from Paci!c Place Group in addition to being !nancially responsible for municipal, provincial, federal, and Ivanhoe Cambridge Property Management !nes. Termination of your contract will also be considered.

Rules Regarding Hosting Clients in the O"ce

We request that clients not be allowed to roam freely when in the o"ce due to liabilityand con!dentiality reasons. Clients are strictly prohibited from entering the lunch room.No liquor is to be served or consumed in the o"ce unless it is a business related eventwith proper licensing and adequate liability insurance purchased. In that instance, onlywine may be served. All events that may serve wine must be approved by managementand Ivanhoe Cambridge Property Management.

Free Printing/Copying Allotments

*** Please remember, black & white copies are on the old Canon copier,everything else (color copies, printing, fax, email scanning) is on the newSharp MX 5141n copier. ***

Starting April 1st, free printing/copying allotments will be on a quarterly basis.April 1 to June 30, July 1 to September 30, October 1 to December 31.

The default allotment is set at 600 printing on the Sharp copier and 150 blackand white copies on the Canon copier. You can change your allotment with a minimum of 1 week notice prior to the next quarter start date.

Please make your selection for this quarter by April 12th as the quarter has already started. The change will only be processed provided you have notexceeded any of your newly requested maximums.

Please select one of the following and return to Alvinder Gill (agill@paci!cplacegroup.com) :

( Allotments can not be adjusted on a “as needed” basis, additional page allotments can be purchased if you reach a maximum on a copier. )

___ 600 printing - Sharp (new) / 150 copy - Canon (old)

___ 500 printing - Sharp (new) / 250 copy - Canon (old)

Name _______________________________ PPG Broker Code ___________

!!!!

!!Changes to comply with anti-money laundering legislation !We are introducing changes to our forms effective February 1, 2014 to comply with updates to anti-money laundering legislation. This will affect some insurance and investment products.

Manulife is complying with this legislation across all of our business areas and there are updates to forms depending on the product. Here’s what you need to know about this change.

About this legislation The Proceeds of Crime (Money Laundering) and Terrorist Financing Act’s goal is to improve the detection and deterrence of money laundering and terrorist financing and to facilitate investigation and prosecution. Financial services companies and advisors are required to establish record keeping and client identification procedures and report suspicious transactions.

! Individual Insurance changes For universal life and Performax Gold policies, you will need to complete a new form NNC0012E beginning February 1, 2014.

▪ NNC0012E Additional requirements for intended use and identity verification for Individual Insurance policies

This is an interim form. We will be updating our forms so that you will not need to complete a separate form in the future. We will let you know when that has been done.

The form is needed for new policies as well as certain policy changes such as term conversions or ownership transfers that are issued or received on or after February 1, 2014.

If you are not able to include the form when you send in an application or change request for those products, we will send the form to you to complete as a delivery requirement. If you receive a ‘Not in Good Order’ communication about anti-money laundering requirements, it’s important to respond immediately; your client’s ability to make policy transactions or request information may be limited until we receive the form with the required information. (Continued on next page)

The interim NNC0012E form is now included with our product pages and the other key forms shown below. Please note our Diamond View new business illustration system does not yet have the new version of our product pages which include the NNC0012E form but you can print the form off Repsource in the meantime.

NN7006E Signature and disclosure booklet for electronic applicationsNN1558E Identifying owners of Individual Insurance policiesNN1547E Performax Gold Product PageNN1539E Limited Pay UL Product PageNN0780E InnoVision Product PageNN0902E Security UL Product PageNN1588E UltraVision Product Page

If you have questions, please contact us as usual.

! Manulife Investments changes When you submit a new Non-registered application – Manulife Investments – signed on or after February 1, 2014, you will need to complete the new interim form below which includes questions related to the new anti-money laundering requirements:

▪ Additional requirement for Non-registered Applications Purpose and Intended use(s) (login required)

▪ Annuity Applications - Additional requirement for Non-registered Annuity Applications Purpose and Intended use(s) (login required)

If you are not able to include this form when you send in an application, we will send you a 'missing information request' asking for the required information to complete our file. You can phone in the information, rather than mail it. For an Annuity, this outstanding information will delay the application process.

We will be updating the Applications below in July 2014 to incorporate the new questions so that you will not need to complete a separate form. We will update you when that has been done.

NN0821E Manulife RetirementPlus and GIF Select Non-registered /RSP/LIRA/LRSP/RLSP Application (login required)NN0907E Manulife RetirementPlus and GIF Select Application for an External Contract (login required)NN1601E Manulife PensionBuilder Application (login required)NN1603E Manulife PensionBuilder Application for an External Contract (login required)NN0978E Manulife Investments Guaranteed Investment Contract (login required)NN0486E Application for Annuity (login required)

January 30, 2014

Anti-money laundering regulation changes coming Feb. 1 Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations have been amended and come into effect Feb. 1, 2014. Changes in regulations

x Name, address and occupation required for trust beneficiaries and settlors of trusts. x Information on the ownership, control and structure of holding companies is required in

the Questionnaire for applicants/owners that are entities (17-8295). x Specific information is required regarding the purpose of the insurance or investment. x Valid client identification is mandatory prior to business being placed.

We’ve posted information about updated forms and applications on RepNet.

Important reminders:

x Specific occupation information is required on applications. To assist in providing the proper amount of detail for occupations, we’ve updated some applications to include employer and the nature of employer’s business. 

x Completed paperwork must be submitted to head office. x If the information is incomplete on the application, it may result in a delay in placing the

business. Questions about these regulatory changes can be directed to mktconduct@canadalife.com.

!!

!!!!In order to comply with amendments to the Proceeds of Crime (Money!Laundering) and Terrorist Financing Regulations, which come into effect on!February 1, 2014, the Company has revised its Form F51-208A. Please ensure!that going forward you use only the new version of this Form which is posted!on the Document Centre of Extranet.  The new version of the Form F51-208A!bears the date "January 2014" in the bottom left corner.!!If you have any questions, please don't hesitate to contact our marketing!department at 604-737-9110.!!Thank you for your co-operation.!!!(form is attached on the next page)!!

By law, financial institutions are required to have an anti-money laundering and anti-terrorist financing (“AML/ATF”) program. This form is part of the Company’s AML/ATF program. It is mandatory for applications and transfers of ownership for:

(a) Non-registered Deferred Annuities(b) Single Premium Immediate Annuities (SPIAs)(c) Universal Life Insurance (UL) (including term conversions to UL and dissociations of UL)

IF THERE IS MORE THAN ONE APPLICANT/OWNER, COMPLETE THIS FORM FOR EACH ONE.

For individuals, complete sections 1, 2, 4, 6, and 7. If there is a lump sum payment of $100,000 or more, also complete section 3.

For corporations or other entities, complete sections 1, 4, 5, 6, and 7. If an individual is paying the premium and it is a lump sum payment of $100,000 or more, also complete section 3.

For future lump sum payments of $100,000 or more, made by or on behalf of an individual, paid subsequent to an event listed at (a), (b) or (c) above, complete only the following sections: 1.a (i) and (ii), 3., 4., and 7.d. Please submit this form with the premium payment.

1. COMPLETE THIS SECTION

a. Information about the applicant/owner (i) Name of applicant/owner: ___________________________________________________________________ (ii) Date of birth:

Y Y Y Y M M D D

Address (not only a P.O. box number): _____________________________________________________________________________________________________

Principal occupation or business (Be specific. One word generic terms such as “manager”, “consultant” or “president” are not sufficient.): ______________________

___________________________________________________________________________________________________________________________________

b. Person paying the premium

Is the person paying the premium different from the applicant/owner? No Yes (If “yes”, provide the following information.)

Name of person paying the premium: _____________________________________________________________________________________________________

c. Third Party Determination

Is the applicant/owner acting on the instructions of an undisclosed individual or entity? No Yes (If “yes,” collect the following information.)

Instructions are provided by: an individual a corporation another type of entity (please specify): ____________________________________________

Name of third party: _____________________________________________________________________________ Date of birth: Y Y Y Y M M D D

Relationship to applicant/owner: _________________________________________________________________________________________________________

Address (not only a P.O. box number): ____________________________________________________________________________________________________

Principal occupation or business (be specific): ______________________________________________________________________________________________

If a corporation is the third party, provide: Incorporation number: ____________________________ Place of incorporation: _______________________________

d. For individual savings and retirement only – Purpose and intended nature of the business relationship

Retirement savings Savings for vehicle purchase Savings for real estate purchase Savings for commercial equipment

Savings for other purposes (be specific): ________________________________________________________________________________________________

2. CONFIRMATION OF IDENTITY FOR INDIVIDUAL APPLICANT/OWNER

Refer to an original, unexpired passport, driver’s licence or other government-issued identification. SIN card is not acceptable.

Record the following: Type of identification document: __________________________________________ Document number: _________________________________

Place of issue: _______________________________________________________________________________________ Expiry date: Y Y Y Y M M D D

3. POLITICALLY EXPOSED FOREIGN PERSONS (PEFPS)

(Complete if there is a lump-sum payment of $100,000 or more and the applicant/owner is an individual or the premium is paid by an individual.)

Does the applicant/owner or the person paying the premium, or any close relative*, now hold, or have they ever held, any of the following senior positions on behalf of a country other than Canada? No Yes

1. head of state or head of government 2. member of the executive council of government 3. member of a legislature4. deputy minister or equivalent

5. president of a state-owned company or state-owned bank

6. ambassador or attaché or counselor to an ambassador

7. head of a government agency

8. military officer with rank of general or above9. leader or president of a political party represented

in a legislature10. judge

*Note: Page 1

January 2014 F51-208A(14-01)

CONFIRMATION OF IDENTITY INFORMATION REQUIRED UNDER THE

PROCEEDS OF CRIME (MONEY LAUNDERING) AND TERRORIST FINANCING ACT AND REGULATIONS

(Non-registered Contract only)F51-208A

Contract no.inalco.com

Agent’s telephone number ExtensionAgentAgency code S.U.Agent code

January 2014 F51-208A(14-01)

Page 2

! If the above answer is “yes”, then the applicant/owner or the person paying the premium is a PEFP and the following must be completed:

If the applicant/owner or the person paying the premium holds, or held, one of the positions listed above, provide the following information:

If the applicant/owner or the person paying the premium has a close relative who holds, or held, one of the positions listed above, provide the following information about the close relative:

Name of close relative: N/ARelationship of close relative to applicant/owner or the person paying the premium:

N/A

Position(s) held (indicate all applicable numbers from list above):Country for which position(s) held:

4. SOURCE OF FUNDS

Describe the source of funds used for this transaction:

Employment Income Business Income Investments Pension Loan Savings Inheritance

Other (provide details): _________________________________________________________________________

5. COMPLETE THIS SECTION FOR CORPORATIONS OR OTHER ENTITIES THAT ARE APPLICANTS/OWNERS

a. Information about the applicant/owner

Type of entity: Corporation Partnership Trust Not-for-profit organization Other (be specific): ______________________________________

___________________________________________________________________________________________________________________________________

b. Verify the existence of the corporation or non-corporate entity

Please confirm the existence of the corporation or non-corporate entity by attaching a recent copy (not more than 24 months old) of a certificate of corporate status or another recent document that confirms the entity’s existence.

c. Verify the identity of the individual(s) conducting the transaction on behalf of the corporation or non-corporate entity. If there is more than one individual, verify the identity of each and attach a separate sheet of paper.

Refer to an original, unexpired passport, driver’s licence or other government-issued identification. SIN card is not acceptable.

Record the following:

Name: ________________________________________________________________________________________ Date of birth: Y Y Y Y M M D D

Residential address (not only a P.O. box number): ____________________________________________________________________________________________

Type of identification document: ____________________________________________________________ Document number: ____________________________

Place of issue: __________________________________________________________________________________ Expiry date: Y Y Y Y M M D D

d. Record the name and address of all persons who own or control, directly or indirectly, 25% or more of the shares of the corporation or 25% or more of the non-corporate entity:

! The following must be completed for each person owning or controlling 25% or more.

Shareholder/owner Shareholder/owner Shareholder/owner Shareholder/owner

Full name:

Complete address:(not only a P.O. box number)

e. Record the names of all directors in the case of a corporation. Please attach a separate sheet of paper if needed.

! The following must be completed for each director.

Director Director Director Director

Full name:

January 2014 F51-208A(14-01)

Page 3

f. In the case of a trust, record the names and addresses of all trustees, all known beneficiaries, and all settlors. [Note: A settlor is an individual or entity who establishes the trust.]. Please attach a separate sheet of paper if needed.

! The following must be completed for each Trustee, Beneficiary and Settlor.

Trustee Trustee Beneficiary Beneficiary Settlor

Full name:

Complete address:(not only a P.O. box number)

g. Describe and/or attach documents establishing the ownership, control and structure of the entity*:

___________________________________________________________________________________________________________________________________

*Note: It needs to be clear who has ultimate ownership and control of the entity (including any natural person(s) that has ultimate control) and what the organizational structure is. A corporate chart is to be attached for more complex structures.

h. Describe the measures taken to confirm the accuracy of the information in d. through g. above, and attach copies of all documents obtained in connection with confirming the accuracy:

___________________________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________

___________________________________________________________________________________________________________________________________

i. Not-for-profit organizations must also answer the following:

Is the aplicant/owner a charity registered with the Canada Revenue Agency? No Yes

If “no,” does the applicant/owner solicit charitable donations from the public? No Yes

FOR CORPORATIONS AND OTHER ENTITIES, BE SURE TO COMPLETE SECTIONS 1, 4, 5, 6, AND 7. IF AN INDIVIDUAL IS PAYING THE PREMIUM AND THERE IS A LUMP SUM OF $100,000 OR MORE, ALSO COMPLETE SECTION 3.

6. APPLICANT’S/OWNER’S CONFIRMATION – THIS CONFIRMATION MUST BE SIGNED AND DATED BY THE APPLICANT/OWNER

I confirm that the information I have provided and which is set out above is accurate and complete.

If I am acting on behalf of a corporation or other entity, I also confirm that I have been duly authorized to sign on behalf of such corporation or other entity and that the documents I have provided, including those attached to this form, are accurate, current and complete.

_____________________________________________________ X____________________________________________________ Y Y Y Y M M D D

Name of applicant/owner or authorized signatory(ies) Signature of applicant/owner or authorized signatory(ies)

_____________________________________________________ X____________________________________________________ Y Y Y Y M M D D

Name of applicant/owner or authorized signatory(ies) Signature of applicant/owner or authorized signatory(ies)

7. LIFE INSURANCE AGENT’S CONFIRMATION – THIS CONFIRMATION MUST BE SIGNED AND DATED BY THE LIFE INSURANCE AGENT

I confirm that:

a. for each applicant/owner that is an individual, I met with them and I verified their identity by reviewing their original, valid identification document;

b. for each applicant/owner that is a corporation or non-corporate entity, I met with the individual(s) conducting the transaction and I verified their identity by reviewing their original, valid identification document;

c. I have taken reasonable measures to determine if the applicant/owner is acting on behalf of a third party; and

d. in cases where there is a lump sum payment of $100,000 or more for a non-registered annuity contract or for a universal life insurance policy, if the premium is paid by an individual or if the applicant/owner is an individual, I have taken reasonable measures to determine if they are politically exposed foreign persons;

provided that in the case of a premium of $100,000 or more paid subsequent to an event listed at the beginning of this form, I only confirm d. above.

I cannot determine if the applicant/owner is acting on the instructions of an undisclosed individual or entity, but I have reasonable grounds to suspect there is another party involved in this transaction. My reasons are: _________________________________________________________________________________________________

_____________________________________________________________________________________________________________________________________

Name of life insurance agent: ________________________________________________________________________________________________________________

Signature of life insurance agent: X ________________________________________________________________________________ Y Y Y Y M M D D

Referral Bonus Program

Would a workplace where you can help pick your colleagues not be an enjoyableplace to work? At Paci!c Place Group, we give you that luxury and as a bonus,we give you multiple opportunities to be rewarded for those referrals with visagift cards and we pay you for those contracted referrals.

Great referrals include contacts already in the industry, business professionals, bankers, college/university graduates, people with self motivation and an outgoing personality all make great candidates.

Successfully contracted Life Insurance referral: $250 bonus*If a contracted referral achieves 5000 FYC in their !rst 12 months with PPG, youreceive an additional $750 in their 13th month with PPG.

Successfully contracted Real Estate referral: $100 bonus*

Successfully contracted General Insurance referral: $100 bonus*

(* Currently not contracted with a PPG company)

Every quarter in 2014, we will be drawing and awarding 3 $50 Visa Gift Cards, ( limit one card per broker per quarter )

You will receive 1 entry for ever name & number you provide as a referral. The referraldoes not need to be contracted to receive an entry ballot. Eligible referrals are for the positions of : Real Estate, Life Insurance, or General Insurance brokers.

In December, we will be holding a draw for a $500 Visa Gift Card based on a ballot forevery successfully contracted broker.

Eligible names & numbers should be forwarded to Alvinder Gill (agill@paci!cplacegroup.com),Hendry Liu (hendry@paci!cplacegroup.com), Lo Ming Lee (lominglee@hotmail.com),or Wayne Yu (wyu@paci!cplacegroup.com).

Karen Yau has returned from sick leave. WELCOME BACK !

Life/Investment Admin Roles E!ective April 2014(Please contact correct administrator for faster service)

Karen Yau - Manulife Investments and TIC Travel Insurance

Angel Wong - Life Insurance Commissions and Contracting

Sasa Cheung - All Existing Policy Services, Underwriting for Equitable and IA/IAP

Ti!any Tang - Underwriting for All Insurance Companies EXCEPT Manulife, Equitable and IA/IAP, BACKUP Contracting Contact if Angel is Unavailable

Mimi Sum - Manulife New Insurance Business and General Insurance Commissions

General Insurance Admin Roles E!ective April 2014(Please contact correct administrator for faster service)

Eileen - Commercial and Personal Line New Quotes - ICBC

Frank - Personal Line Renewals, Payments, Changes, & Re-marketing -Personal Line New Quotes - ICBC

Kate- ICBC & ICBC Inventory Control - Mid-Term Personal Line Endorsements,Claims, Cancellations - Personal Line New Condo Quotes

Victoria - Personal Line Renewal Reminders and Premium Collection - ICBC Batch/Renewal List Compilation

Aries - Backup ICBC - Backup Personal Line Renewal Payment and Recommendation Follow-Up

SSQ

We have partnered up with a new Canadian insurance provider to add another lineof products to your inventory as an advisor. SSQ Insurance has been operating sincethe 1940’s in Quebec. SSQ is the 6th ranked insurance company in Canada. In their lineof products, you will !nd some product features and add-ons that are unique to SSQin our market place. If you have not been to a SSQ training session, we recommend youdo as you will be seeing more SSQ policies and applications in our o"ce and in the marketplace. Illustration Software : ssq.ca/insurance/advisors-page/

March 17 - May 173 Submitted apps = Bonus $50 Visa Gift CardEach additional application submitted earns you an additional $20 Visa Gift Card

Critical Illness Rate Increase May 1st 2014SSQ will have a rate increase in their CI product at the end of the month. April is the monthto contact your clients and inform them that you have a Critical Illness product that iscurrently under priced. The time to act is now.

SSQ Representatives and Contact Information:

Nadira Laing, B.Comm, CFP, CLUDirector, Business DevelopmentBC Region, Life & Living Bene!t ProductsCell 604-787-7929nadira.laing@SSQ.ca

Inside Sales:Barry Rubin 1-877-928-8801 Ext 4256barry.rubin@ssq.ca

Brent AndalDirector, Business Development – British ColumbiaCell: 778-836-9191Email : brent.andal@ssq.ca

Customer Service:Life & Living Bene!ts 1-800-565-4550Investment & Retirement 1-800-320-4887

2015 Kapalua Conference

2015 National Educational Conference May 24 - 28, 2015

How to qualify

Qualification period January 1, 2013 to December 31, 2014

Are you on track?

Eligible products All Manulife products including those sold through intercorporate agreements count towards conference qualification.

Advisor qualifications 160,000 Recognition Credits

In prior conferences, the amount that could be earned from Manulife Securities business was limited to 30 per cent of the overall qualification requirement. As part of our newly created Advisory Services organization, designed to improve how we partner with you, we are pleased to increase this amount to 75,000 over the qualifying period.

Master Builder sales targets~

Star Recognition Credits (up to 75,000 can be earned from Manulife Securities business over the qualifying period)

One Star Master Builders* 152,000

Two Star Master Builders* 144,000

Three Star Master Builders* 128,000

Four Star Master Builders* 112,000

Five Star Master Builders† with 20-25 years of service

80,000

Five Star Master Builders† with 26+ years of service

0

~ Based on individual sales * Star status as of January 1, 2014 † Length of service as of January 1, 2014

Live the Aloha Life as a Top Qualifier We recognize the hard work and dedication of advisors in reaching the qualification requirements for the 2015 National Educational Conference.

Through the Top Qualifier program, top independent advisors can earn extra rewards to personalize and enhance their conference experience, based on their achieved Recognition Credits at the end of the qualification period.

There are three Top Qualifier categories: Silver 320,000 RC Gold 475,000 RC Platinum 800,000 RC

Conference qualification and attendance policies Please note: Manulife is the final authority as to the interpretation of these rules.

Contract and other requirements To qualify for the National Educational Conference, advisors must be contracted with Manulife’s Independent Advisor Channel on or before the start of the second year of the qualifying period and must have a valid Independent Advisor contract at the time of the conference.

To qualify for invitation, you must have properly disclosed your participation in this incentive conference program in accordance with any laws, industry guidelines, company policies or directives.

Invitation to attend Attendance at the conference is by invitation only. You will be notified in January 2015 whether you are to be considered for invitation to the conference, based on the qualification criteria outlined above. Manulife will exercise its discretion in determining the final invitee list, including the decision to exclude anyone who Manulife views as inappropriate to invite for any reason.

Conference invitations are discretionary awards given by Manulife in recognition of an invitee’s efforts on Manulife‘s behalf, and are not earned benefits.

Companions and additional guests Your companion must be 21 years of age or older. Your companion cannot be another advisor who was eligible to qualify for this conference and did not meet the qualification requirements, unless this companion is your spouse or someone with whom you have an immediate family relationship.

Conference activities are not open to children or additional guests.

Conference dates Manulife Financial reserves the right to change the dates and/or location of the conference.

Conference-related expenses** Conference-related expenses for each conference invitee and his or her companion will be paid for by Manulife Financial. For the 2015 National Educational Conference, this includes a travel allowance for air and ground transportation, accommodation, meals, receptions and organized activities.

In accordance with Manulife Financial’s practice, there is no cash allowance in lieu of conference attendance. An invitee who is unable to attend the conference as awarded is not entitled to any other compensation and cannot send any other person in his or her place.

**subject to legislative changes

Conference travel Conference invitees must be prepared to travel in the manner set forth by Manulife Financial. We will try to accommodate personal preferences and itinerary requirements, but any additional expenses related to those personal requirements will be the invitee’s responsibility.

Invitees must be fit for travel. Manulife Financial reserves the right to limit an invitation to attend due to health restrictions.

Taxation As deemed by Canada Revenue Agency, conference attendance for both the invitee and his or her companion is a taxable benefit and will be reported on the invitee's T4A. The value will be based on cost of flight, accommodation, ground transportation and any cash allowances provided for invitee and companion.

How to qualify for the 2014 Pinnacle Conference

Qualification period January 1, 2012 to December 31, 2013

Eligible products All Products sold through Manulife Financial, including those sold through intercorporate agreements, count toward conference qualification.

Advisor qualifications 575,000 Recognition Credits*, up to 172,500 of which can be earned from Manulife Securities business, over the qualifying period.

Business class airfare production requirement 775,000 Recognition Credits, up to 172,500 of which can be earned from Manulife Securities business, over the qualifying period.

Production must be done on an individual basis.

Conference qualification and attendance policies Please note Manulife is the final authority as to the interpretation of these rules.

Contract and other requirements To qualify for the Pinnacle Conference, advisors must be contracted with Manulife at the time of the conference.

To qualify for invitation, you must have properly disclosed your participation in this incentive conference program in accordance with any laws, industry guidelines, company policies or directives.

Invitation to attend Attendance at the conference is by invitation only. You will be notified in January 2014 whether you are to be considered for invitation to the conference, based on the qualification criteria outlined above. Manulife will exercise its discretion in determining the final invitee list, including the decision to exclude anyone who Manulife views as inappropriate to invite for any reason.

Conference invitations are discretionary awards given by Manulife in recognition of an invitee’s efforts on Manulife‘s behalf, and are not earned benefits.

Companions and additional guests Your companion must be 21 years of age or older. Your companion cannot be another advisor who was eligible to qualify for this conference and did not meet the qualification requirements, unless this companion is your spouse or someone with whom you have an immediate family relationship.

Conference activities are not open to children or additional guests.

Conference dates Manulife Financial reserves the right to change the dates and/or location of the conference.

Conference-related expenses** Conference-related expenses for each conference invitee and his or her companion will be paid for by Manulife Financial. For the 2014 Pinnacle Conference, this includes a travel allowance for air and ground transportation, accommodation, meals, receptions and organized activities.

In accordance with Manulife Financial’s practice, there is no cash allowance in lieu of conference attendance. An invitee who is unable to attend the conference as awarded is not entitled to any other compensation and cannot send any other person in his or her place.

**subject to legislative changes

Conference travel Conference invitees must be prepared to travel in the manner set forth by Manulife Financial. We will try to accommodate personal preferences and itinerary requirements, but any additional expenses related to those personal requirements will be the invitee’s responsibility. Invitees must be fit for travel. Manulife Financial reserves the right to limit an invitation to attend due to health restrictions.

Taxation As deemed by the Canada Revenue Agency, conference attendance for both the invitee and his or her companion is a taxable benefit and will be reported on the invitee's T4A. The value will be based on flight allowance, accommodation, ground transportation, and any cash allowances provided for invitee and companion.

1 | Mar. 25, 2014

National Bank applications updated In order to remain compliant with the Financial Consumer Agency of Canada (FCAC) regarding the disclosure of regulatory information, you are required to change the way you handle financing products with more than one applicant. Applicants will choose either:

Separate Disclosure x Application default. x Should there be more than one applicant, both applicants will now receive all

regulatory information including statement of accounts and different notices.

Single Disclosure x Must be selected on the application form if the client(s) prefer to receive

mailings to only the primary applicant. National Bank applications have been updated with the new disclosure options, effective March 31, 2014. Updated electronic-only applications include CSV Line of Credit (18796-012 (2014-03-15)). Updated print applications include the following:

x Credit application principal and interest investment term loans (form 19819-012 (2014-03-15))

x Credit application interest-only investment lines of credit (form 19820-012 (2014-03-15))

RRSP loan applications will be updated later this year. Current versions of both electronic-only and printed applications will be accepted until April 11, 2014. Additional copies are available from your local Regional Marketing Centre and can be ordered from supply. Electronic versions are also available through Canada Life RepNetTM under Products & tools > Loans programs > Investments > National Bank of Canada.

For more information about investment loan product solutions with Canada Life, visit RepNet (http://repnet1.canadalife.com) or contact your MGA or the Canada Life Regional Marketing Centre nearest you.

March 25, 2014

Build momentum with living benefits changes Rate change in effect April 4 As a follow-up to the living benefits temporary premium reductions launched earlier this year, Canada LifeTM is implementing rate changes across the living benefits product portfolio effective April 4. All rate changes are now included in the software updates and as a result, this will eliminate the temporary manual premium reductions introduced in January. For some cells affected by this rate change, the new rate is better than the premium reduction program introduced in January; however, there are cells in which the new rates are less favourable. Effective on April 4, for all new policies going forward, there is an exciting change that removes the ratings on return-of-premium withdrawal, return-of-premium at expiry and return-of premium at withdrawal or expiry (year 15, year 20 and age 65) riders on critical illness insurance policies. These changes reflect Canada Life’s ongoing commitment to maintaining a competitive and comprehensive product shelf that is relevant to you and your clients. Critical illness insurance rate changes The following products will have new rates effective April 4, 2014.

x Level premium term to 75 x Permanent level premium, paid up at 100 x Permanent level premium, paid up in 15 years x 10 year renewable term to 75, convertible to 65 x Level premium term to 75, paid up at 65

The paid-up critical illness insurance using return of premium calculator will also be updated to reflect these rate changes. These changes re-establish Canada Life’s competitive position versus Sun Life and Industrial Alliance within the 18-49-year-old market, particularly for cases sold with return-of-premium riders. Well over half Canada Life cases sold include a return-of-premium rider. View specific rate change details. Critical illness return-of-premium riders Effective April 4, 2014, for all new issues going forward, Canada Life will no longer be rating the return-of-premium at withdrawal, return-of-premium at expiry and return-of-premium at withdrawal or expiry (year 15, year 20 and age 65) riders. This change is effective for all April 2014 rate series critical illness insurance plans with the exception of:

x 10-year renewable term to 75, convertible to 65 policies View full details.

March 25, 2014

Disability insurance rate changes Rate changes for occupation classes 4A and 3A will be effective April 4 within the following personal non-cancellable products.

x Lifestyle protection plan These rate changes re-establish Canada Life’s competitive position for occupation classes 4A and 3A. Canada Life has always maintained a strong competitive position in the 2A, A and B markets. More details Full rate change details and transition rules are available to help you talk to clients about these changes. Software Canada Life Updated illustration software, April 4 – You can get your updated Zoom 14.3 software via ConcourseTM on Canada Life RepNetTM, Internet download or CD, starting April 4. It includes new critical illness and disability insurance rates. For more information, contact your MGA, your branch office or your local regional marketing centre.

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!!Feb 1, 2014

*** Please note, it is a requirement for you to notify the office if any keys/cards have been lost or stolen. If anyone accesses the office with your keys/cards, you will held liable for all damages and losses incurred. ***

!NEW FEE SCHEDULE

Due to changes in fees charged by financial institutions, we have had to adjust some of our fees effective immediately.

!All Insurance Advisors/Real Estate Agents

1.) NSF Cheque : $50 / cheque

!2.) Money Order obtained by PPG on behalf of client (via credit card) : $20 / each

!3.) Stop Payment/Re-Issue or New Cheque Re-Issue : $50 / cheque

!4.) Opening of Mailbox : $25 / each time *

* Please obtain a replacement key from the office if you have lost your key.

!5.) Mailbox Key Re-Issue : $50 / each

!6.) Key Card Re-Issue : $50 / each

!PAGE ! OF !1 3

!!!Additional for Insurance Advisors 1.) Life / Health / Travel illustrations created by admin staff : $25 / each*

* Free if created by Insurance Managers Hendry Liu, Aries Chen or Wayne Yu

!2.) Late fees on invoices after 5pm on the due date :

$25 or 5% - The greater amount will be added on a daily basis.*

* If you will be away when the payments are due, please leave an advance payment or post dated cheque.

!Additional for Real Estate Agents 1.) Additional fee for contracts received with less than 14 days left to completion :

$5o - 8-13 days before completion, $100 - 7 or fewer days to completion.

!2.) Major changes with 14 days or less remaining to completion:

$50 - Changes such as but not limited to change of lawyers, credit to buyers, changes requiring issuing of trust account cheques etc.

!3.) Monthly charges/payments due to the office are required to be submitted by 5PM on the 1st business day of each month.

$25 or 5% - The greater amount will be added on a daily basis.*

* If you will be away when the payments are due, please leave an advance payment or post dated cheque.

!*** Please Note, all commission cheques shall be issued 3 days after the transfer of property. Commission payment will be made to realtors on the Wednesday or Friday following the issue date each week. ***

PAGE ! OF !2 3

!!!!

Insurance Advisor Production Minimums

!In order to guarantee an advisor’s overrides and contracting status in 2015, a

Pacific Place Financial Services Inc Advisor is required to obtain one of the following basic minimums in 2014:

!!

5 Life or Health (Critical Illness & Disability) Insurance Applications

!or

!$2500 in FYC

!or

!$350,000 in New Investment Deposits

(Seg Funds, GIC’s and Annuities)

PAGE ! OF !3 3

Current Illustration Software Versions

Manulife Diamond View - Version 14.15

Canada Life - Concourse v 2.2

SSQ - Life Insurance Product 2.2.1

Equitable Life - Version 14.2

Industrial Alliance - Interface Suite 7.4.0

Desjardins Life - Fusion 15.2.0

BMO - Wave v 27.0

RBC - Version 7.1

Sun Life - Eos 6.2.0

Transamerica Life - Version 10.4

Empire - Version 9.6