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Some things you need to know and do

You're lucky to be able to save in a group savings and retirement program. It's up to you to make sure you save enough. So, there are some things you need to know and do.

You need to know that you can get info on your program's:

• features
• fund choices
• tools and services

You need to:

• use the information and tools provided
• ask how your plan works and what the rules are
• choose your funds and how much you want to contribute
• get legal or financial advice if you need it
• check that your statement's right and let us know if it's not

Make sure you read all the materials available about your plan so you know what you need to do.

Get your plan info and fund choices in the VIP Room. Or call your employer or Manulife.

Important! How much you and your employer put into your plan and how the funds do will affect how much you save for retirement. Read the info here and talk to an investment advisor.

Contact Manulife at :
1-800-242-1704.