Manulife One Account Application - Construction Phase - Repsource ...

1 Application information English French
Manulife One Account Application
- Construction Phase
This application may only be completed by the applicant or an employee of
Manulife Bank of Canada.
Purpose Financing Construction
Financing Construction and refinance of existing mortgage
Is any client a Manulife VP (or higher) or Manulife Bank staff member? Yes No
Amount requested
$
Required Proof of Income attached
Confirmation of Property Taxes attached
2 Applicant information (all correspondence will be sent to this address)
Mr. Ms. Mrs. Miss Dr. Other
Last name First name Email address
Address City Province Postal code
Date of birth (mmm/dd/yyyy) Social Insurance Number Home telephone number
( )
3 Joint applicant information
Cell phone number
( )
Business telephone number
( ) Ext.
Mr. Ms. Mrs. Miss Dr. Other
Last name First name Email address
Address City Province Postal code
Date of birth (mmm/dd/yyyy) Social Insurance Number Home telephone number
( )
4 Request for Equifax
Cell phone number
( )
Business telephone number
( ) Ext.
Client name Date consent given Time consent given
Client name Date consent given Time consent given
Client name Date consent given Time consent given
5 Application detail
Is bridge financing required?
Yes No
Closing date
Will the proceeds of this loan be used for the benefit of another person?
Yes No
Do any of the clients have any dealings with MBC in a corporate or business name?
Yes No
Is any client a Manulife Financial staff member?
Yes No
Business name
Is any client an Advisor?
Yes No
Is any client an Association member?
Yes No
CCPE ICAO CBAF
GFD WRHBA SPM Ontario 00
Is the contractor/builder a family member or friend? If yes, describe relationship:
Yes No
The Manufacturers Life Insurance Company
Page 1 of 7 WM1079E (03/2011)

6 Property to be constructed
Dwelling style
Bi-level One storey Split level 1 1/2 storey Two storey Three storey
Street number Street name Street type
Street direction
City Province
Postal code Lot number Plan number
Legal property description Previous sale date Previous purchase price
Annual condo fees Purchase price/Estimated current value Date of purchase Value of upgrades
Land purchase price Land purchase date (mmm/dd/yyyy) Estimated value as completed Cost to build
Source of equity Cash from own resources RRSP
Sale of other property
Gift
Borrowed against proven assets
Other
Unit ID/Building code
New
Existing
Age of building
Estimated annual property taxes
Are taxes current?
If no, details to explain:
Yes
No
Confirmation of Property Taxes is attached (if applicable)
Heating type Electric baseboard Hot water
Forced air gas/oil/electric
Other (provide details below)
Details
Garage type attached detached none
Garage size single double triple N/A
Other (provide details)
House size (excluding basement)
square meters
square feet
Lot size
square meters
square feet
Water source municipal private well other (provide details)
Details
The Manufacturers Life Insurance Company
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7 Compliance information
Applicant Joint Applicant Guarantor/Surety
Owner of property
Yes
No
Yes
No
Name on Title (if different than applicant name)
Marital status of owners
Number of dependants
Relationship to applicant
Residential status
Own Rent
Live with parents
Own Rent
Live with parents
Own Rent
Live with parents
Duration at current address years months years months years months
Canadian citizenship/landed immigrant
Yes
No
Yes No Yes No
Details
Has he/she applied for landed immigrant status?
Are there any suits or judgments against any of the applicants
or guarantors?
Details
Has any of the applicants or guarantors been bankrupt in
the last 6 years?
Details
Yes No Yes No Yes No
Yes No Yes No Yes No
Yes No Yes No Yes No
What is the intended use of the account?
(Please be as specific as possible. For example, "home purchase" or "supplement retirement income". Answers of "unknown" or "not applicable" are unacceptable and will
result in delays in processing.)
Details
8 Income information Required Proof of Income is attached.
Gross annual
income
Years in Years at
Occupation/Industry current current Employer/income source Amount
field employer
Previous employer
Years at
previous
employer
Applicant's
salary
Other income
Joint applicant's
salary
Other income
Assets
Value
Home
$
Other real estate
$
Retirement savings plan
$
Chequing or savings account and account number(s)
Deposits or investment certificates
Stocks or bonds
Life insurance (cash surrender value)
Vehicle (make, model, year)
Vehicle (make, model, year)
Other
Total assets
$
$
$
$
$
$
$
$
The Manufacturers Life Insurance Company
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Liabilities
Amount owing
Monthly payment
Secured by
property
Estimated
payout penalty
Partial
payout
Full
payout
Home loan
Lender and maturity date:
$
$
Yes
No
Loan on other real estate
Lender and maturity date:
$
$
Yes
No
Lines of credit
Lender:
Lender:
$
$
$
$
Yes
Yes
No
No
Credit card(s)
Issuer:
Issuer:
Issuer:
Issuer:
Issuer:
$
$
$
$
$
$
$
$
$
$
Yes
Yes
Yes
Yes
Yes
No
No
No
No
No
Income tax owing
$
$
Support/alimony
$
$
Personal loan (e.g. for a car)
Lender:
$
$
Vehicle lease payments
$
$
Other $
$
Yes No
Total liabilities $
Net worth (assets - liabilities) $
Variable Sub Account
Amount
$
Reason
9 Client’s lawyer detail
Lawyer name/Firm name
Address City Province Postal code
Email
Business telephone number
( ) Ext.
10 Banking Consultant/Advisor information
Banking Consultant last name First name BC code
Advisor last name First name Advisor/Dealer code*
Advisor email
Advisor business phone
Advisor compensation split
( ) Ext.
%
Sub Advisor last name First name Advisor/MFDA code**
Sub Advisor email
Sub Advisor business phone
( ) Ext.
Sub Advisor compensation split
%
Please note:
* If an advisor has a mutual fund licence, enter the selling code of the MFDA Dealer (this is an MFDA requirement). Otherwise, please enter their
personal selling code.
** If an advisor has entered a Dealer Code, enter the advisor's 4 character mutual fund representative code.
The Manufacturers Life Insurance Company
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11 Cost of Borrowing - Not applicable if there is only one applicant
Your right to receive separate disclosure documents.
If, as a co-applicant, you would like to receive a separate copy of disclosure documents, please check the box below. Disclosure documents will be sent
to the address(es) provided in the application. This may include statements, renewal agreements, documents outlining the terms and conditions of the
product and any other documentation that shows the cost of borrowing.
By not requesting a separate mailing, you are consenting to a single copy of disclosure documents being addressed to all applicants and sent to the
correspondence address provided in the application. This consent will carry through renewals or amendments, if applicable.
If at any time you want to begin receiving separate copies of disclosure documents, you may do so by contacting us toll free at 1-877-765-2265.
Co-applicant has requested separate disclosure
12 Declaration, authorization and consents
You acknowledge that you have read and understand the Personal Information Statement and consent to the collection, use
and disclosure of your personal information, in accordance with the terms of the Personal Information Statement, as
described under the following headings:
• Collecting, using and disclosing your personal information
• Who may access your personal information
• Service providers
• Other product offerings
• Withdrawing your consent
• Your right to access your personal information or to receive additional information
You understand that you may contact the Bank's Customer Service Center at 1-877-765-2265 for additional information relating to the
Bank's privacy policies and regarding your options for withdrawing your consent.
In accordance with the Personal Information Statement, you authorize the Bank to obtain, verify, give, share and exchange personal
information about you, now and in the future, with any individuals, financial institutions, business corporations or other parties with whom
you have or propose to have financial or personal dealings, or who hold information about such dealings, such as credit bureaus. Your
personal information will be used for the purpose of confirming your identity and the accuracy of the information you provide or the Bank
collects with this consent, assessing the history of your financial dealings to determine your eligibility for the products and services you
have applied for, or the Bank offers to you, now and in the future, administering and maintaining your financial records, supporting and
maintaining the accuracy and the integrity of the credit reporting system, and as may be otherwise permitted or required by law. You also
authorize any person that the Bank contacts under this authorization to provide such information. Without limiting the generality of the
foregoing, you also consent that, for the purpose of your Manulife one Account, the Bank may provide any of the personal information
in your credit file to MBNA Canada Bank or other credit card service provider to support your application for a credit card to MBNA
Canada Bank or other credit card service provider. You authorize the Bank to record your telephone conversations for the administration
of your account and to maintain quality service levels. If you do not wish that your telephone conversation be recorded, you agree to
only communicate with the Bank in writing and request that any response by the Bank be in writing as well.
Statement of Property
You, the Applicant(s), certify this statement of your property and debts is true and complete. You declare that neither your spouse nor
any other person has any claim in or to the assets shown except as set out herein. The whole of your property is shown at fair valuation.
You declare that you are not being sued and there are no executions against you, nor do you owe anything to any other bank or financial
institution except as reported on this form. You shall notify the Bank forthwith upon any change in the information concerning you in this
statement.
This information is given for the purpose of obtaining advances or an extension of time of your present indebtedness from the Bank and
you acknowledge that you are indebted to the Bank on certain promissory note(s) in the amount set out on this form.
Completion of Application
You hereby certify that you have completed this Application without the assistance of any other person, or where assistance was
provided it was done so by a Manulife Bank Banking Consultant/staff member or a registered mortgage broker.
In order to keep your file current, you undertake to advise the Bank of any changes to the information provided in this Application.
For Quebec residents only
You, the Applicant(s) and guarantor/surety, have expressly requested that this application and all related documents, including notices,
will be given to you in the English language. Vous avez expressément demandé que cette convention et tout document y afférent, y
compris tout avis, soient rédigés en langue anglaise.
Applicant signature
Date (mmm/dd/yyyy)
Applicant signature
Date (mmm/dd/yyyy)
Applicant signature
Date (mmm/dd/yyyy)
The Manufacturers Life Insurance Company
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Page 7, the “Personal Information Statement” has been provided to the applicant(s).
Please identify how the client first heard of Manulife one
Direct lead - Banking Consultant
Financial advisor
Friend/relative/acquaintance
Internet
Advertising (specify)
TV commercial
Radio
Print ad, billboard or direct mail Other advertisement
Contest/special promotion
Affinity group
Banking Consultant's/Mortgage Broker's initials:
The Manufacturers Life Insurance Company
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13 Personal information statement
Definitions: Under this Personal Information Statement, the words “You” and “Yours”, mean the applicant(s),co-applicant(s), the
guarantor(s) or surety(ies). The word “Bank” means Manulife Bank of Canada.
Collecting, using and disclosing your personal information: The personal information you provide to the Bank (or the Bank collects
with your consent, including the consent given in the Manulife one Account/Preferred Rate Mortgage Application or Client Introduction
form), with respect to this credit application, will be protected and maintained in a credit file with the Bank.
The Bank may collect, use and disclose your personal information to:
(a) Confirm your identity and the accuracy of the information provided by you, or collected with your consent;
(b) better understand the history of your financial dealings with the Bank and others, and determine your eligibility for products and
services which
you have applied for, or which the Bank offers to you, now or in the future;
(c) support and maintain the accuracy and integrity of the credit reporting system;
(d) properly administer and service any financial services and products the Bank provides to you;
(e) assess the value of any security which the Bank may obtain with respect to this application;
(f) keep records of instructions given by you over the telephone;
(g) listen to your recorded telephone conversations to maintain quality service levels;
(h) help the Bank understand the current and future needs of its customers;
(i)
(j)
conduct searches to locate you and update your contact information in your file;
provide you with details of other financial products offered by the Bank, its affiliates and other select financial product providers;
and
(k) comply with legal and regulatory requirements.
Prior to a decision being made on your credit application, you may withdraw your application and your consent and request that any
information collected about you be destroyed. Once the credit has been extended to you, if you withdraw your consent for the Bank to use
and disclose your personal information, the Bank may no longer be able to properly administer your products and will have the contractual
right to demand full payment of your credit (subject to penalties, if applicable). Notwithstanding such withdrawal of consent by you, the
Bank may be required by law to maintain and use your personal information for record keeping, tax and financial reporting.
Your Social Insurance Number ("SIN") may be used for tax reporting purposes and other purposes required or permitted by law. The Bank
may also use your SIN as a unique identifier to keep your personal information separate from that of other customers with similar names,
for internal and external matching of your personal records against records exchanged with third parties that you have consented to, and
to maintain the integrity and accuracy of your personal information. You may withdraw your consent for the Bank to use your SIN for
purposes other than required by law, without affecting the Bank's ability to provide you with its products and services, however, this may
affect the Bank's ability to fully ensure the accuracy and integrity of your personal information maintained in your credit file.
Before the Bank collects, discloses and uses your personal information for any other purpose, the Bank will explain the purpose to you
and seek your consent.
Who may access your personal information:
Access to your personal information, which includes any details of the Bank's denial of your application, will be limited to:
(a) Bank employees and Bank representatives and their delegates, in the performance of their duties for the Bank;
(b) Manulife Financial employees and the Bank's affiliates' employees when resolving your concerns about any related product
offerings;
(c) other credit grantors with whom you have dealings, or credit bureaus and personal information agents with respect to your credit or
financial history;
(d) service providers used by the Bank, in the performance of their duties for the Bank;
(e) those to whom you gave permission; and
(f) those authorized by law.
In some cases, your personal information may be provided to these people, organizations and service providers in other provinces or
jurisdictions outside Canada, and would therefore be subject to the laws of those jurisdictions.
Service providers: The Bank may use service providers for services such as debit and credit card services, printing services, mail
services, distribution services, information technology services, data storage, insurance services, administrative services and marketing
services. The Bank may change service providers or enter into an agreement with new service providers. Where personal information is
provided to the Bank's service providers, to perform the various services they provide, the Bank will contractually require them to protect
the personal information in a manner that is consistent with the Bank's privacy policies and practices.
Other product offerings: From time to time, the Bank may offer or promote its other financial products, or those of its affiliates, and
those of select third parties associated with the Bank. These other financial product offerings could include for example, securities,
insurance products, loan and investment products, credit card products and reward programs, which the Bank believes may be of interest
to you. The Bank will not disclose any of your personal information to other external parties, for the purpose of the other parties marketing
their own products directly to you, without your consent. You may withdraw your consent to use your personal information for the purpose
of receiving additional product offerings, at any time. You understand that this will not affect the Bank's ability to continue to provide you
with the services you have requested, but will exclude you from receiving direct personalized marketing or special offers on other products
and services. This will not limit the information the Bank may send to you from time to time with your statements or information the Bank
provides to you when you contact the Bank.
Withdrawing your consent: Subject to any legal and contractual restrictions described above, you may withdraw your consent for the
Bank's collection, use and disclosure of your personal information, at any time. To do so, you may call the Bank's Customer Service
Center at 1-877-765-2265, write to the Privacy Officer at the address set out below, or indicate on your application which consent you
wish to withdraw. For new loans, your request will be processed immediately. If you wish to withdraw consent after your loan is funded, six
to eight weeks is generally required to process your request.
Your right to access your personal information or to receive additional information: You understand that you may obtain a copy of
the Bank's privacy policy from the Bank's website at manulifebank.ca or by calling the Bank's Customer Service Center at the number
indicated above. You may request additional information or access to your personal information in your file at any time, subject to the
restrictions provided by law, and ask that any inaccurate or incomplete information be corrected. To do so, you may send a written request
with details to the Privacy Officer at the following address: Privacy Officer, Manulife Bank of Canada, Delivery Station 500 M-A, 500 King
Street North, PO BOX 1602 STN WATERLOO, WATERLOO ON N2J 4C6.
The Manufacturers Life Insurance Company
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