Please review the following Summary of Rates and Fees for the ManulifeMONEY+ TM Visa Infinite* Card,then check the box to show you have read and agree to the Summary of Rates and Fees and click “Apply Now” to proceed.

These interest rates are in effect the day your account is opened (whether or not your card is activated).

Purchases, fees and other charges: 19.99%

Cash Advances: 21.99%

Promotional Rate on Balance Transfers: 1.99% for 180 days (6 months)1

Balance Transfers: 21.99% following the promotional period.

If you do not make your minimum payment by the payment due date 2 or more times in any 12 month period, your annual interest rates will increase to standard rates of 24.99% on Purchases, fees and other charges and 26.99% for Cash Advances and Balance Transfers. This increase will take effect in the third statement period following the missed payment that caused the rate to increase. The increased rates will remain in effect until you make your minimum payments by the due date for 12 consecutive months.

You will benefit from an interest-free grace period of at least 21 days if you pay off your
balance in full by the due date. No interest is charged on Purchases and fees appearing on your
statement for the 1st time if you pay your new balance in full by the payment due date. There
is no interest-free period on Cash Advances and Balance Transfers.

Your Minimum Payment will be $10 plus any interest and fees (not including the annual fee), plus
any amount by which the new balance exceeds your credit limit, and any amount past due from
the prior month.

If the new balance is less than $10, the balance is due in full.

We will bill you in Canadian currency if you use your account to make transactions in foreign
currency. The exchange rate is determined by Visa Inc. on our behalf on the date on which the
transaction is settled with Visa Inc. This exchange rate may be different from the rate in effect
on the transaction date. When the transaction is posted to your account, in addition to the
exchange rate, you will be charged a foreign currency conversion mark-up equal to 2.50% for
each foreign currency transaction.

$99 Primary Cardholder, $30 for each Authorized User

The annual fee will be charged when the card is issued (regardless of activation) and will be
billed to you on your first statement and once a year thereafter.

To be charged on the day the transaction occurs:

Cash advance: $3.50

Balance transfer: 1% of the amount transferred

Dishonoured payment to Manulife Bank: $45

Extra copy of your monthly statement: $5 each

Transaction receipt copy fee: $5 for each copy that is requested.

Rush card fee: $25

To be charged on the statement cycle date:

Over the credit limit: $29. The fee is charged once per statement period if your balance exceeds your credit limit at the time of your statement cycle date.2

(Please see Additional Disclosures for more information about rates and fees.)

Additional Disclosures
1Promotional Rate on Balance Transfers: The Promotional Rate on Balance Transfers is available for Balance Transfers that are posted to your Credit Card Account within 90 days of your Credit Card Account being opened, and will apply for the first 180 days after those Balance Transfers are posted to your Credit Card Account. Offer may be withdrawn at any time.

2Over the Credit Limit: The over the credit limit fee will not be charged to Quebec residents.

Dishonoured Payment to Manulife Bank Fee: This fee applies if a payment to your Credit Card Account made by cheque or pre-authorized debit from any financial institution, including Manulife Bank, is not accepted due to non-sufficient funds.

Fee for Copy of Statement or Transaction Receipt: There is no charge for a copy of the current monthly statement or a transaction receipt appearing on it or if the inquiry is due to a Manulife Bank error. $5 is charged for each additional copy of a prior monthly statement or transaction receipt appearing on a prior monthly statement. Transaction receipts may not be available for all types of transactions.

More information about Interest and the Grace Period: When interest is charged on a new Purchase, it is charged from its Transaction date. Interest is charged on Cash Advances from the date they are taken. Interest is charged on Balance Transfers from the date they are posted to your Credit Card Account.

Merchant’s Fees: Merchants may be charged higher fees for the acceptance of premium cards (Visa Infinite Cards).

Interpretation: Capitalized terms used in this application have the meanings given to them in the Cardholder Agreement unless otherwise defined.

Quebec only: You have expressly requested that this form and any related documents be drawn up in English. Vous avez expressément exigé que le présent formulaire et tout document qui s’y rattache, soient rédigés en anglais.

For more information about Manulife Bank Credit Cards, please call 1-844-323-7053 toll-free. The Card interest rates and fees shown are current as of May 3, 2017; they may change from time to time.

You’ll need to enter a Special Offer Code made up of the number ‘8’, letter ‘I’ and your last 7 digits of your Manulife Bank Access Card Number. For example, if the last 7 digits of your Access Card Number is 7654321, then your offer code is 8I7654321. 

By clicking on “Apply Now” below, you’re giving us consent to establish a ManulifeMONEY+ Visa Infinite card account in your name.  
*Trademark of Visa Int., used under license.