Legal Disclaimers

About Manulife Investments

The following has been prepared to provide information on the Manulife Private Investments Pools (MPIP) program. This investment program is available on two platforms – MPIP Investment Pools and MPIP Segregated Pools.

MPIP Investment Pools

The MPIP Investment Pools are managed by Manulife Investments, a division of Manulife Asset Management Limited.

Manulife Funds (including the Trust Pools) and Manulife Corporate Classes (including the Class Pools) are managed by Manulife Investments, a division of Manulife Asset Management Limited.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments and the use of an asset allocation service. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. The indicated rates of return are based on the historical annual compounded total returns assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The indicated rates of return are based on the historical annual compounded total returns of the participating funds including changes in share or unit value and reinvestment of all dividends or distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder in respect of a participating fund that would have reduced returns. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

The payment of distributions is not guaranteed and may fluctuate. If distributions paid by the fund are greater than the performance of the fund, then your original investment will shrink. Distributions should not be confused with a fund’s performance, rate of return, or yield. You may also receive return of capital distributions from a fund. Please consult with your tax advisor regarding the tax implications of receiving distributions. See the prospectus for more information on a fund’s distributions policy.

Manulife Investments is the brand name describing certain Canadian subsidiaries and operating divisions of Manulife Financial Corporation that offers personal wealth management products and services in Canada.

Canadian Investor Use
This website/communication is intended for Canadian residents only, and does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not allowed. Important information about any mutual fund is contained in its Fund Facts. All investors should read the Fund Facts before investing.

Selling Restrictions Outside Canada
The distribution of a prospectus qualifying for sale in Canada funds managed by Manulife Investments a division of Manulife Asset Management Limited and the offering or purchase of the units/shares may be restricted in certain jurisdictions outside of Canada. No persons receiving a copy of a Manulife Investments prospectus in any such jurisdiction may treat the prospectus as an invitation to purchase units/shares unless such an invitation could be lawfully made to them without compliance with any registration or other legal requirements. A Manulife Funds’ prospectus is not an offer or solicitation by anyone in any jurisdiction where such offer or solicitation is unlawful or in which the person making such offer or solicitation is not qualified to do so or anyone to whom it is unlawful to make such an offer or solicitation.

It is the responsibility of any person in the possession of a Manulife Funds’ prospectus and any persons wishing to apply for units/shares pursuant to a Manulife Funds’ prospectus to inform themselves of, and to observe, all applicable laws and regulations of any relevant jurisdiction. Prospective purchasers of units/shares should inform themselves as to the legal requirements of such purchases and any applicable exchange control regulations and taxes in the countries of their respective citizenship, residence, incorporation or domicile.

Neither the Manulife Funds nor the manager shall have any obligation to make any filings or do any acts in order to permit such offerings in any jurisdiction and shall be entitled to require evidence that an offering to the investor in such jurisdiction is in compliance with the local laws.

The units/shares of Manulife Funds have not been and will not be registered for sale under U.S. securities laws and may not be offered or sold directly or indirectly in the United States or to any U.S. person (including any citizen or resident of the United States, any partner or corporation organized or incorporated under the laws of the United States and certain estates and trusts organized under U.S. laws) unless pursuant to an exemption from registration.

It is also recommended that every visitor to the Manulife Investments site read the disclaimer about the use of the web site.

MPIP Segregated Pools

Any amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value. Withdrawals proportionally decrease Maturity and Death Benefit Guarantees. More information on the MPIP Segregated Pools can be found in the MPIP Segregated Pools Information Folder, Contract and Fund Facts.

Manulife Investment is a division of The Manufacturers Life Insurance Company. The Manufacturers Life Insurance Company is the issuer of the Manulife Private Investment Pools – MPIP Segregated Pools (MPIP Segregated Pools) insurance contract and the guarantor of any guarantee provisions therein.

Manulife, Manulife Investments, the Block Design and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

Information contained in this web site is subject to change without notice. Manulife Asset Management Limited and Manulife Financial will endeavor to ensure information is accurate and updated, but will not be held liable for inaccuracies in the information presented. Investors are responsible to ensure that they are appropriately informed about any securities, insurance, taxation or other legislation that could affect them personally.

It is also recommended that every visitor to the Manulife Investments site read the disclaimer about the use of the web site.

Please carefully read this notice before you use this web site. If you do not agree with the following conditions, please exit the site.

Site Content
The information contained on the pages of this web site is subject to modification and update from time to time without notice. Reasonable efforts have been made to ensure that the information in this site is complete, accurate and up-to-date. However, Manulife Financial cannot guarantee the accuracy, timeliness, completeness or authenticity of any site content, site functionality, or the transmission of any site content from the site to you.

Certain aspects of the site have been prepared outside of Manulife Financial. Other worldwide web sites for which connections may be provided, or which provide connections to this site, are completely independent of this site. Manulife Financial does not endorse the sites to which we refer by hypertext links. Similarly, we do not endorse sites which refer to our site. In addition, the inclusion of site acknowledgments and the identification of persons and entities shall not, in any manner, be construed as an endorsement for the product, person or entity by Manulife Financial.

Use of this Site
Access to this site is subject to Manulife Financial's rules and procedures, as developed from time to time. Although Manulife Financial will make its best efforts to keep this site operational, Manulife Financial cannot guarantee that the site will always be accessible. Manulife Financial may, in its sole discretion, modify, suspend or terminate the services provided to you through this site without notice.

By using this web site, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and your use of the site (including information you transmit to the site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Manulife Financial shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Manulife Financial may use "cookies" or related technology to track usage of the site and in order to improve our service to you.

Governing Laws
The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this Agreement or your use of the site.

Agreement with Manulife Financial
By use of this site, you are agreeing that The Manufacturers Life Insurance Company (Manulife Financial), its affiliated companies, and any directors, officers, employees or shareholders of the Company or its affiliates or affiliated companies, shall not be liable for any damages including direct, incidental, ordinary, punitive, exemplary, indirect, special, consequential or any other damages arising out of or related to the use of this site.

You agree that any and all information and/or content on this site remains the sole and exclusive property of Manulife Financial and is considered to be confidential information. You acknowledge and agree that you do not and will not acquire any proprietary interest in any material found on this site. You agree that you will not use this site, or any portion thereof, in any manner that may infringe any proprietary or intellectual proprietary interests that the Company or any third party may have in it.

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