Manulife Financial - A New Global Leader The merger of Manulife Financial and John Hancock, including its Canadian subsidiary Maritime Life, combines exceptionally strong companies into a dynamic global market leader headquartered in Canada. As our customer, you will benefit from our dedication to excellent customer service, our greater depth of talent, and an enhanced array of unique and innovative financial solutions for every stage of life.   • The 4th largest insurance company in the world* • The largest life insurance company in North America* • The largest life insurer in Canada* • Funds under management by Manulife Financial and its subsidiaries were CDN$405 billion (US$322 billion) as at March 31, 2009. • Approximately 24,000 employees and thousands of distribution partners serving millions of customers in 19 countries and territories worldwide • The financial strength of Manulife Financial's insurance subsidiaries, including Manulife (International) Limited, is rated "AA+" by Standard & Poor's Rating Services. Manulife is among the highest rated life insurers in the world and we are one of the strongest and best capitalised life insurance companies. • Trades as "MFC" on the TSX, NYSE and PSE, and under "945" on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com *by market capitalisation as at January 31, 2009

About Manulife Singapore Manulife is building a reputation as an innovator in Singapore, introducing new products and services into the market - products and services that are focused on helping our customers find that perfect financial solution to suit their changing needs at each stage of life. This approach makes us a long-term partner, an old friend you can count on now and in the years ahead. Innovative Plans We have a comprehensive selection of innovative products that meet a wide variety of needs, ranging from protection and security to savings and investments. These products include many unique features such as an option to transfer your plan from one generation to the next or from one key employee to another. Our People When it comes to financial planning, our professional representatives can help you make the right choices. Our specially selected team of representatives not only have excellent product knowledge, they are also trained to take the time to identify each individual's unique needs and to recommend the right plan that can best meet those needs. And while the market is filled with many part-time insurance advisers, we pride ourselves in being a cut above the rest as our representatives are full-time professionals, devoting 100% of their time to work with their customers. In short, more time being the best that they can be - for you! Trusted Financial Partner At Manulife, we aim to make each policyowner a client for life. This is why in addition to recommending a plan tailored to fit your goals and priorities, we continue to review your plan regularly to ensure that your changing needs are met. We are committed to providing real value to our customers. This is a tradition, which we have maintained and intend to build on in the years to come. People Developer Standard We are proud that our efforts are now publicly recognised through the People Developer certification. Conferred by the Singapore Productivity and Standards Board, this award is testimony to our persistent efforts to always provide our customers with the best.