Brad Brain Financial Planning Inc

Manulife Financial is one of the most dynamic and progressive financial service organizations around the world. With global headquarters in Canada, Manulife Financial is the largest insurance company in Canada, the second largest in North America, and the sixth largest in the World*, with one of the most extensive life insurance franchises in all of Asia.

First incorporated in 1887 as the Manufactures Life Insurance Company with Sir John A. Macdonald, Canada's first Prime Minister, as President, Manulife and its affiliates have grown to become a leading Canadian-based financial services group serving more than 8.7 million customers in 19 countries and territories worldwide.

Through our far-reaching network of employees and independent advisors, Manulife offers clients a diverse range of financial protection products and wealth management services. In the United States, we operate under the highly respected John Hancock brand name while in Canada and throughout Asia, our customers know and trust us as Manulife Financial.

Manulife's financial strength is ranked among the greatest in the financial services industry. In fact, in November 2006 Standard & Poor's raised the financial strength ratings on our rated insurance subsidiaries to 'AAA', the highest of their 8 rating categories. This highly coveted top rating reflects the company's solid and well-diversified business positions in Canada, the U.S., Hong Kong and other countries within the Asia Pacific rim. It also recognizes the high quality and consistency of our operating performance; a very strong and balanced investment portfolio; and extremely strong capital adequacy position; and the company's excellent enterprise risk management framework.

What does all this mean to you? Without a doubt, it means you can trust Manulife to be with you every step of the way®.

*As of August 9, 2011

The information in this communication is subject to change without notice.

Brad Brain Financial Planning Inc.

Manulife Securities Incorporated

Suite 101 9705 100 Ave

Fort St. John, BC V1J 1Y2

Phone: (250) 785-1655 Fax: (250) 785-1650

Email: Brad Brain CFP, R.F.P., CLU, Ch.F.C., FCSI

Senior Financial Advisor

Violet Chase

Executive Administrator

Manulife Securities Disclaimers

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