Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(*) Insurance products and services offered through Financial Horizon, Punjab Insurance and Carte Risk Management Inc.

(**) Mutual funds provided through Carte Wealth Management Inc.

(***) Tax planning provided through Kang Tax & Financial Services

(****) Manulife One mortgages & banking products offered through Referral Arrangement