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FOR DISTRIBUTOR/FINANCIAL REPRESENTATIVE USE ONLY. THIS MATERIAL SHOULD NOT BE DISTRIBUTED TO ANY CUSTOMER OR THE PUBLIC.

In Bermuda, insurance products are issued by The Manufacturers Life Insurance Company (Bermuda Branch), a branch of a Canadian-domiciled company incorporated under the laws of Canada.

In Hong Kong, insurance products are underwritten by Manulife (International) Limited (incorporated in Bermuda with limited liability) (A subsidiary of Manulife Financial Corporation).

In Singapore, insurance products are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D).

Manulife and the Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.