FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – AlbertaFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $75.70 $98.10 $133.50 $178.40 45-54 $87.70 $114.00 $149.60 $204.10 55-59 $97.70 $121.30 $156.40 $213.30 60-64 $102.90 $130.50 $157.80 $216.40 65-69 $84.30 $102.50 $121.00 $173.80 70-79 $91.60 $113.80 $130.70 $179.20 80-89 $100.60 $150.90 $170.80 $232.40 90+ $129.80 $203.10 $214.80 $274.50

Couple18-44 $68.00 $90.30 $125.40 $169.30 45-54 $79.80 $106.10 $141.50 $195.40 55-59 $89.70 $113.50 $148.20 $204.90 60-64 $95.10 $122.80 $149.80 $208.30 65-69 $76.70 $95.40 $114.20 $166.10 70-79 $83.70 $107.20 $124.30 $171.80 80-89 $93.00 $142.80 $163.20 $224.30 90+ $122.30 $195.20 $207.10 $266.00

Child (1 or 2 children)0-20 $24.00 $30.80 $63.00 $96.10

Child (3 or more children)0-20 $21.90 $27.60 $56.70 $86.20

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – British ColumbiaFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $77.10 $102.30 $136.70 $179.40 45-54 $89.10 $118.20 $152.10 $203.30 55-59 $99.00 $124.60 $158.30 $211.50 60-64 $104.60 $135.10 $161.50 $216.40 65-69 $81.70 $107.50 $126.20 $167.00 70-79 $92.30 $128.40 $144.90 $187.70 80-89 $108.00 $171.80 $190.40 $248.10 90+ $148.90 $240.50 $251.30 $309.90

Couple18-44 $69.70 $94.30 $128.60 $170.10 45-54 $81.40 $110.00 $143.80 $194.80 55-59 $91.20 $116.90 $150.50 $203.00 60-64 $96.70 $127.30 $153.60 $208.00 65-69 $74.10 $99.90 $118.90 $159.90 70-79 $84.90 $121.00 $138.10 $180.30 80-89 $100.50 $163.90 $182.70 $240.40 90+ $141.00 $232.60 $243.60 $301.50

Child (1 or 2 children)0-20 $22.90 $29.90 $60.80 $90.40

Child (3 or more children)0-20 $20.80 $27.00 $54.60 $81.50

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – ManitobaFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $75.70 $99.80 $132.90 $175.10 45-54 $87.10 $117.40 $150.60 $202.60 55-59 $97.00 $124.50 $157.30 $211.20 60-64 $102.10 $134.30 $160.00 $215.50 65-69 $100.80 $136.30 $154.70 $207.80 70-79 $111.80 $158.70 $175.70 $232.20 80-89 $127.20 $194.90 $214.30 $285.90 90+ $163.40 $260.00 $271.50 $348.20

Couple18-44 $68.00 $92.00 $124.80 $165.80 45-54 $79.30 $109.20 $142.20 $193.80 55-59 $88.90 $116.00 $149.00 $202.40 60-64 $94.30 $126.20 $152.10 $207.10 65-69 $93.00 $128.30 $147.10 $200.10 70-79 $103.90 $150.90 $168.30 $224.30 80-89 $119.50 $187.20 $206.40 $277.70 90+ $155.60 $252.10 $263.70 $339.80

Child (1 or 2 children)0-20 $23.20 $29.90 $59.90 $89.60

Child (3 or more children)0-20 $20.90 $26.90 $53.70 $80.60

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – New BrunswickFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $82.90 $110.30 $145.50 $192.80 45-54 $96.60 $131.20 $167.20 $223.80 55-59 $107.10 $138.50 $173.90 $232.30 60-64 $113.60 $150.80 $177.60 $238.30 65-69 $113.40 $153.50 $173.00 $231.10 70-79 $125.90 $179.00 $196.70 $258.40 80-89 $142.10 $218.20 $238.20 $316.30 90+ $193.10 $304.40 $316.10 $402.10

Couple18-44 $75.50 $102.70 $137.60 $183.20 45-54 $88.80 $123.10 $158.60 $214.70 55-59 $99.00 $130.50 $165.40 $223.60 60-64 $105.80 $142.20 $169.60 $229.90 65-69 $105.70 $145.70 $165.60 $223.10 70-79 $118.00 $171.10 $189.10 $250.60 80-89 $134.70 $210.50 $230.90 $308.00 90+ $185.20 $296.40 $308.80 $393.80

Child (1 or 2 children)0-20 $25.80 $33.10 $64.80 $97.10

Child (3 or more children)0-20 $23.20 $29.90 $58.50 $87.70

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – Newfoundland and LabradorFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $77.50 $103.10 $137.50 $180.40 45-54 $90.00 $122.20 $157.30 $209.20 55-59 $99.80 $128.50 $162.80 $217.30 60-64 $105.30 $138.90 $165.90 $222.00 65-69 $103.60 $140.40 $159.90 $212.90 70-79 $115.70 $164.20 $182.60 $238.80 80-89 $132.40 $202.90 $223.20 $294.60 90+ $178.90 $282.50 $295.60 $372.30

Couple18-44 $70.00 $95.30 $129.40 $171.00 45-54 $82.10 $113.70 $148.70 $200.50 55-59 $91.70 $120.50 $155.10 $208.50 60-64 $97.30 $131.00 $158.00 $213.70 65-69 $96.00 $132.40 $152.30 $205.10 70-79 $108.00 $156.50 $175.00 $230.80 80-89 $124.60 $194.90 $215.60 $286.20 90+ $171.10 $274.70 $287.40 $364.00

Child (1 or 2 children)0-20 $22.90 $30.00 $60.70 $90.90

Child (3 or more children)0-20 $20.80 $27.00 $54.50 $81.70

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – Nova ScotiaFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $80.20 $106.70 $139.70 $183.50 45-54 $92.90 $126.10 $159.70 $212.80 55-59 $103.10 $133.20 $165.60 $220.80 60-64 $109.20 $144.80 $169.60 $226.40 65-69 $82.50 $114.50 $133.10 $175.50 70-79 $93.30 $136.90 $153.60 $197.50 80-89 $108.50 $172.40 $190.10 $247.30 90+ $154.80 $248.80 $259.10 $317.90

Couple18-44 $72.40 $98.70 $131.30 $174.30 45-54 $85.30 $117.80 $150.80 $203.80 55-59 $95.10 $125.00 $157.70 $212.20 60-64 $101.40 $136.60 $161.50 $217.90 65-69 $74.80 $106.90 $125.60 $168.00 70-79 $85.90 $129.30 $145.80 $189.70 80-89 $101.00 $164.70 $182.70 $239.00 90+ $146.90 $241.10 $251.30 $309.60

Child (1 or 2 children)0-20 $24.60 $31.80 $61.50 $91.40

Child (3 or more children)0-20 $22.00 $28.50 $55.60 $82.10

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – OntarioFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $77.70 $106.80 $144.50 $189.30 45-54 $93.10 $127.40 $165.20 $224.60 55-59 $103.30 $130.30 $166.40 $226.40 60-64 $111.00 $143.80 $171.90 $234.30 65-69 $92.10 $120.50 $141.50 $190.80 70-79 $110.40 $149.10 $166.90 $217.60 80-89 $142.40 $240.10 $261.90 $339.70 90+ $178.40 $306.90 $320.20 $398.20

Couple18-44 $70.30 $99.30 $136.60 $180.50 45-54 $85.50 $119.40 $156.70 $216.30 55-59 $95.60 $122.60 $158.40 $218.20 60-64 $103.00 $135.80 $164.30 $226.40 65-69 $84.30 $113.30 $134.30 $183.40 70-79 $103.00 $142.20 $160.30 $210.60 80-89 $135.10 $232.20 $254.00 $331.60 90+ $170.70 $299.20 $312.20 $389.80

Child (1 or 2 children)0-20 $16.50 $21.30 $54.90 $82.40

Child (3 or more children)0-20 $14.80 $19.20 $49.40 $74.10

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – Prince Edward IslandFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $81.10 $107.70 $143.30 $189.00 45-54 $94.10 $127.90 $164.10 $219.70 55-59 $104.50 $134.70 $170.40 $227.80 60-64 $110.30 $146.20 $174.10 $233.20 65-69 $97.40 $133.80 $153.90 $204.40 70-79 $109.40 $158.00 $175.60 $228.90 80-89 $125.20 $195.20 $215.00 $282.20 90+ $173.80 $276.50 $288.10 $359.80

Couple18-44 $73.60 $99.90 $135.10 $179.60 45-54 $86.20 $119.60 $155.40 $210.60 55-59 $96.20 $126.60 $162.10 $219.40 60-64 $102.60 $138.10 $165.90 $225.00 65-69 $90.00 $126.00 $146.20 $196.90 70-79 $101.80 $150.00 $168.20 $220.80 80-89 $117.70 $187.50 $207.20 $274.00 90+ $166.00 $268.60 $280.30 $351.30

Child (1 or 2 children)0-20 $24.80 $32.00 $64.10 $96.10

Child (3 or more children)0-20 $22.50 $28.90 $57.90 $86.20

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

190400 12/19

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information.

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – SaskatchewanFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $74.10 $98.00 $127.50 $168.60 45-54 $85.20 $114.50 $144.50 $193.80 55-59 $94.90 $121.40 $150.70 $201.60 60-64 $99.80 $131.20 $153.30 $206.40 65-69 $84.70 $107.40 $131.30 $160.80 70-79 $94.50 $126.60 $151.00 $181.90 80-89 $115.80 $168.80 $188.30 $228.20 90+ $143.90 $244.30 $253.40 $257.00

Couple18-44 $66.50 $90.20 $119.30 $159.40 45-54 $77.10 $106.50 $136.20 $184.90 55-59 $86.70 $113.40 $142.30 $193.30 60-64 $92.00 $123.40 $146.20 $198.30 65-69 $78.10 $101.40 $125.10 $154.80 70-79 $88.00 $120.50 $144.70 $175.70 80-89 $109.10 $162.40 $181.50 $221.70 90+ $137.20 $236.90 $245.90 $250.60

Child (1 or 2 children)0-20 $22.60 $29.00 $56.00 $83.80

Child (3 or more children)0-20 $20.30 $26.10 $50.30 $75.40

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.

FollowMe™ Health

Live healthier. Stay protected. Insurance that rewards healthy living If you’re leaving the company where you work, you’re also leaving your company health plan. But you can stay protected, while potentially preventing future health issues, with affordable, reliable FollowMe Health Insurance.

With FollowMe Health you get: • Automatic 5% savings on your premiums in your

first year when you add Manulife Vitality 1 to yourhealth & dental plan – and up to 10% savings inthe following years

• Solid coverage at affordable rates• Fast and easy electronic claims• No waiting period

Best of all, acceptance is guaranteed! Apply within 90 days of the end of your employer group health coverage and your acceptance is guaranteed2 – no medical questions required at the time of application.

For more information, contact your advisor.

1 Manulife Vitality is available for the Primary Applicant only. 2 Guaranteed acceptance dependent upon receipt of first premium payment and satisfaction of eligibility criteria.

Plans underwritten by The Manufacturers Life Insurance Company.The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Eligibility for rewards may change over time and are not guaranteed for the full life of the insurance policy. Insurance products are issued by The Manufacturers Life Insurance Company. The Manulife Vitality program is available with select policies. FollowMe is a trademark of The Manufacturers Life Insurance Company and is used by it, and by its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. © 2019 The Manufacturers Life Insurance Company. All rights reserved. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.Accessible formats and communication supports are available upon request. Visit manulife.ca/accessibility for more information. 190400 12/19

Special Benefits Insurance Services7th Fl - 366 Bay StToronto ON M5H 4B2

(P) 1-800-667-0429(E) general@sbis.cawww.sbis.ca

What’s included to help you live life the way you like it

Your FollowMe™ Health plan may cover many of the same expenses as the group health plans provided by your employer,3 including:

Prescription drugs – whether for you, your partner or your children

Dental services – such as routine procedures like cleaning and fillings, as well as emergency dental work required because of an accident

Vision care – checkups with your eye doctor, as well as glasses, contact lenses and even laser eye surgery

Professional therapy – services provided by a registered massage therapist, chiropractor, dietitian and other health care professionals

Hospital care – semi-private room

Healthcare Online4, 5 – Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online or through the mobile app.

3 The FollowMeTM Health Individual Insurance Plan will not provide the exact same coverage that you may have had under your group health insurance plan.4 Manulife cannot guarantee the availability of this benefit indefinitely.5 Included in the Premiere plan. Available on all other plans for a fee.

2020 Premium Rates – TerritoriesFollowMe™ Health Individual Insurance Plans

Age group Basic Enhanced

without dentalEnhancedwith dental Premiere

Individual18-44 $96.70 $132.80 $180.70 $241.10 45-54 $112.10 $155.80 $205.30 $279.50 55-59 $124.60 $164.20 $213.10 $290.30 60-64 $133.80 $181.60 $220.20 $300.20 65-69 $134.50 $187.20 $216.10 $292.70 70-79 $155.90 $230.10 $256.60 $339.30 80-89 $188.60 $303.10 $332.90 $439.70 90+ $245.10 $402.90 $421.90 $536.00

Couple18-44 $89.10 $124.60 $172.70 $232.20 45-54 $104.50 $147.50 $196.90 $270.80 55-59 $116.60 $156.10 $205.10 $281.90 60-64 $126.00 $173.50 $212.20 $292.00 65-69 $127.00 $179.20 $208.50 $285.20 70-79 $148.30 $222.50 $248.80 $331.40 80-89 $181.00 $295.80 $324.90 $431.60 90+ $237.60 $395.30 $414.00 $527.60

Child (1 or 2 children)0-20 $30.90 $39.40 $82.80 $126.60

Child (3 or more children)0-20 $27.70 $35.50 $74.50 $113.70

Travel add-on

Age group

Individual Couple15-day 30-day 15-day 30-day

18-44 $4.10 $6.70 $3.90 $6.40 45-54 $5.50 $9.00 $5.20 $8.60 55-59 $8.40 $13.70 $8.00 $13.00 60-64 $10.80 $17.70 $10.30 $16.80 65-69 $13.90 $21.90 $13.20 $20.80 70-79 $20.50 $32.50 $19.50 $30.90

Children0-20 15-day $4.10 30-day $6.70

Add Manulife Vitality with any core plan for just $5/month.

Maximum issue age: 69; coverage terminates at age 80.

All premium rates are quoted on a per month per person basis. Premiums for couples and children are per individual. Premiums are based on individual’s age at time of application and will change in accordance with published age groups as the individual’s age increases. Premiums effective January 1, 2020; subject to change without notice.