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November 28, 2020

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© 2022 Manulife
FOR ADVISOR USE ONLY.

As one of Canada’s largest integrated financial services providers, Manulife offers a variety of products and services including insurance, living benefits, segregated fund contracts, mutual funds, annuities and guaranteed interest contracts. The persons and situations depicted are fictional and their resemblance to anyone living or dead is purely coincidental. This media is for information purposes only and is not intended to provide specific financial, tax, legal, accounting or other advice and should not be relied upon in that regard. Many of the issues discussed will vary by province. Individuals should seek the advice of professionals to ensure that any action taken with respect to this information is appropriate to their specific situation. E & O E. Manulife Mutual Funds and Manulife Exchange‑Traded Funds (ETFs) are managed by Manulife Investment Management (formerly named Manulife Asset Management Limited). Manulife Investment Management is a trade name of Manulife Investment Management Limited. A division of Manulife Asset Management Limited. Commissions, trailing commissions, management fees and expenses all may be associated with investments in the Manulife Mutual Funds and Manulife ETFs. Please read the ETF facts/fund facts as well as the prospectus before investing. The Manulife Mutual Funds and Manulife ETFs are not guaranteed, their values change frequently and past performance may not be repeated. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. www.manulife.ca/accessibility

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RÉSERVÉ AUX CONSEILLERS.

© 2022 Manuvie. Les personnes et les situations évoquées sont fictives et toute ressemblance avec des personnes vivantes ou décédées serait pure coïncidence. Le présent document est proposé à titre indicatif seulement. Il n’a pas pour objet de donner des conseils particuliers d’ordre financier, fiscal, juridique, comptable ou autre et les renseignements qu’il fournit ne doivent pas être considérés comme tels. Nombre des points analysés varient selon la province. Tout particulier ayant pris connaissance des renseignements formulés ici devrait s’assurer qu’ils sont appropriés à sa situation en demandant l’avis d’un spécialiste. Sauf erreurs ou omissions. La souscription de fonds communs de placement peut donner lieu au versement de commissions ou de commissions de suivi ainsi qu’au paiement de frais de gestion ou d’autres frais. Veuillez lire le prospectus des fonds avant d’effectuer un placement. Les fonds communs de placement ne sont pas garantis, leur valeur liquidative varie fréquemment et les rendements passés peuvent ne pas se reproduire. Toute somme affectée à un fonds distinct est placée aux risques du titulaire du contrat et peut prendre ou perdre de la valeur. www.manuvie.ca/accessibilite

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