The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any
jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service
is not eligible for sale. Details are available on request.
Manulife Securities Incorporated is registered as an Investment Dealer, or its equivalent, with the provincial securities commissions and
as such our Advisors are entitled to sell mutual funds, stocks, bonds and other securities as permitted under our registration. They may
also be able to provide other services or products to you through their own business. As a member of the Investment Industry Regulatory
Organization of Canada ("IIROC"), Manulife Securities Incorporated is obligated to disclose to you that you may be dealing with companies
other than Manulife Securities Incorporated when purchasing services or products from your Associate (remuneration to your Associate may
also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of
the following through a separate business, which would not be the responsibility of Manulife Securities Incorporated:
* Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.
Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your
Associate would be happy to provide any clarification you require.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the
prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund
is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of
the assets in the segregated fund.