BANK HOME BANK ACCOUNTS INVESTMENTS LOANS MORTGAGES MANULIFE TRUST CREDIT CARD TODAY'S RATES SERVICES AND FEES Deposit Accounts Line of Credit Loans Manulife One Preferred Rate Mortgage Access Card PROFESSIONAL ADVICE CUSTOMER CENTRE ONLINE SECURITY LEGAL FRANÇAIS	Service charges for Preferred Rate Mortgages Everything you need to know about the service charges associated with Manulife Bank's Preferred Rate Mortgage can be found here. In addition, we have included information on fees for implementing increases to your mortgage and for closing it out. Preferred Rate Mortgage services and fees Cost(s) of opening a Preferred Rate Mortgage Purchase of a new home Legal fees You (the homeowner) are responsible for the legal fees to set up your mortgage. Title insurance fees N/A Refinance an existing home Legal fees You (the homeowner) are responsible for the legal fees to set up your mortgage. Title insurance fees Manulife Bank pays this fee. Discharge/administration fees Fees may be charged by your current lender. You (the homeowner) are responsible for payment. Mortgage insurer fee If required, an insurance fee will be charged. Mortgage amount increase fee A $250 fee will apply if the increase is within the registered amount of the mortgage. If the increase is in excess of the registered amount, the full Title Insurance fee will apply. Closing/Discharge fee Discharge preparation: Upon discharge of a mortgage associated with a Preferred Rate Mortgage account, a fee of up to $250 will apply. If you close your Preferred Rate Mortgage before the term has expired, or make pre-payments in excess of the allowable amount, additional fees may apply as outlined in the commitment letter you receive at the time of funding. Other services and fees Statements Annual statement (mailed) no charge Duplicate annual statement (mailed) $2.00 Non-sufficient Funds (NSF) item processing If returned (current - prior to March 1, 2010) $20.00 If returned (after March 1, 2010) $35.00 Transfer to/refinance with another Financial Institution $200.00 Fees are subject to change.