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How to Read Fund Descriptions

3 2 1 Generally, the greater the return you hope to earn on your

Volatility meter BALANCED Code 5181 , the greater risk you must assume. A fund Low (1) High (25) Trimark Income Growth Fund . 6 with high volatility has experienced larger fluctuations of Based on 3 year standard deviation of the Fund

How the underlying fund is invested UNDERLYING FUND −> Trimark Income Growth − SC 9 monthly returns than a fund with low volatility. Volatility is Objective The Trimark Income Growth Fund seeks to generate capital growth and 10 income over the term. The Fund invests primarily in Canadian equities, fixed-income International Equity 6.65% securities of Canadian issuers, both government and corporate, and foreign equities ranked from lowest to highest – the left side represents Cash 7.08% and fixed-income securities. 4 29.91% Canadian Equity 31.23%11 Managed by AIM Trimark Investments Other 1.05% low volatility and the right side represents high volatility. United States Equity 24.08% Fund managers Don Simpson, CFA, Rex Chong, CFA, MBA, Anthony Imbesi, CFA, 12 BComm, Alfred Samson, CFA, Rory Ronan, CFA, Lauree Wheatley and Gary Lew Top holdings within the underlying fund Inception date September 1987 Total assets $1,059.5 million (As at December 31, 2007) 13 14 5 4 Gov’t of Canada, 5.75%, June 1, 2029 7.03% How the underlying fund is invested Power Corp of Canada 4.37% Historical gross returns 15 Gov’t of Canada, 4.00%, June 1, 2017 4.13% Gross rates of return are shown before management fees have been Tim Hortons 3.23% deducted. The solid area represents the gross returns of the Manulife Fund since its The pie chart depicts the mix of investments held by the inception in October 1997. To provide further historical information, the shaded area TD 3.20% represents the returns of the underlying fund for the period before the start date of the Bank of Nova Scotia 3.19% Manulife Fund. underlying fund. Canada Housing Trust, 4.80%, June 15, 2012 2.87% MLI Trimark Income Growth

Onex 2.78% 20% 18.3 15.6 14.5 15.8 14.5 12.8 16 Johnson & Johnson 2.71% 10% 6.0 3.8 Zimmer Holdings 2.52% −1.2 −6.6 0% 5 Total 36.03% Top holdings −10% 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 *Only full calendar year returns are shown. The primary holdings based on the percentage Overall past performance This graph shows how a $10,000 investment in this fund would have changed in value over time, based on gross 17 returns. weighting of the underlying fund’s net value.

MLI Trimark Income Growth Primary investment process Blend: Trimark Income Growth $28,000 18 6 Fundamental, Bottom-up $26,000 $24,000 $23,783* 6 Equity style and capitalization $22,000 Primary investment process 7 Value Core/Blend Growth $20,000 $19,533 $18,000 $16,000 Large $14,000 There are a number of approaches a fund’s $12,000 Medium $10,000 $8,000 Small Dec97 Dec99 Dec01 Dec03 Dec05 Dec07 manager can use to set and choose *For illustration purposes only. Includes mutual/pooled fund performance as indicated. Actual fund performance could All Cap be expected to vary.

Source: Manulife Services Annual compound returns (as at December 31, 2007) individual securities for investment. Some of these are This table shows the historical annual compound total return of the Fund compared with 19 style the composite benchmark, as outlined in the expectation below. 8 Rate Yield Sector Manulife described below: Anticipation Enhancement Trading Since inception 1−year 2−year 3−year 5−year inception date 20 MLI Trimark Income Growth −6.56% 3.44% 4.28% 8.50% 8.16% Oct 1997 Blend: Trimark Income 3.16% 7.85% 9.34% 10.32% − Growth • Fundamental Bottom-up – focuses on the investment

Rate of return expectation Over the long term, the Fund is expected to out-perform a benchmark comprised of: 21 merits of individual companies. The sector allocation of · 35% S&P/TSX Total Return Index · 25% MSCI World Index Source: Manulife Investment Management Services · 35% DEX Universe Bond Index · 5% DEX 91 Day T-bill Index the fund will be determined by the individual

Note: All rates of return are shown before investment management fees or taxes have been deducted. chosen. The rate of return is used only to illustrate the effects of the compound growth rate and is not intended to reflect the future values or returns in the fund. Source: CTVglobemedia Publishing Inc. • Fundamental Top-down – focuses on the economy and financial markets. Once the macro view is 1 Fund code determined, managers choose individual stocks in the A specific code has been assigned to each fund. This code sectors they think will outperform in the current market. makes it easier for you and Manulife to identify a specific fund. Use this code in all communications with Manulife. • Quantitative – a technique that applies complex When you use Manulife’s secure website and telephone mathematical and statistical modeling, measurement services to access your account, you will be able to identify and research to identify attractive investments. funds using the fund codes. • Index – a portfolio constructed to track a specific market index; this is also called passive investing. 2 Asset class Each asset class is represented by a different colour. Fund • Multi-manager – an managed by pages are colour-coded to reflect the asset class they represent. more than one investment manager, often combining different styles or asset classes. 3 Volatility meter You can use the volatility meter of each fund to help you 7 Equity style and capitalization choose funds that suit your tolerance for risk. The volatility The chart indicates the primary equity investment style meter is based on the standard deviation of monthly (e.g. value, growth) used by a fund manager when returns for the fund or the underlying fund over a three- selecting securities and the average market capitalization year period where available. Where a fund has been in of the securities in the fund. operation for less than three years, the rating is based on the next longest available time period. In cases where no 8 Fixed Income Style return history exists for the Manulife fund or the The chart indicates various fixed income investment styles underlying fund, the standard deviation of the fund's asset and the degree a fund manager uses each style in class index is displayed. selecting securities for the fund. 9 Underlying fund performance. Unit values will fluctuate with the market value of the underlying fund’s assets. Gross returns are the The market-based investment options in your group plan rates of return earned before the deduction of investment are primarily fund-on-fund investments which invest in management fees and GST. An individual investing in the existing pooled or mutual funds (referred to as underlying Fund earns a net return after applicable management fees funds). When a contribution is made into a Manulife fund, are charged. Management fees can vary by client the contribution is used to purchase units of the depending on the products purchased. The returns shown corresponding underlying fund. For example, if you here are returns for the Manulife fund and/or the purchase units of the “Manulife Trimark Canadian Fund” underlying fund. Returns for individual plans will differ as this Manulife fund invests in units of the “Trimark investment management fees are applied. Canadian Fund.” Due to the timing of these transactions, each Manulife fund may contain a small cash component 16 Year by year returns in addition to the underlying fund's cash component. The The one-year return for the fund during each year goal of the fund-on-fund strategy is to produce returns on specified, based upon a calendar year from January to the Manulife fund that are similar to the returns on the December. underlying fund. 17 Overall past performance 10 Objective The graph shows you how a $10,000 investment in a fund The fund’s primary investment goal(s) as determined by would change in value for the specific number of years the fund manager. compared with a related broad-based index.

18 11 Managed by Index The fund management company that manages the The index shown represents a broad-based market view underlying fund. and is not necessarily the fund’s specific benchmark. It should be used as a reference to compare funds against a 12 Fund managers broad asset class. The fund’s objective may differ from the The name of the lead fund manager(s) responsible for the style of the index. investment decisions regarding the underlying fund. 19 Annual compound returns 13 Inception date The return for historical period specified, converted to an The date the underlying fund was made available for annualized rate. purchase by . 20 Manulife inception date 14 Total assets The first full month the fund was made available for The total market value of all the assets invested in the investment by Manulife’s Group and Retirement underlying fund as of the specified date. Solutions division.

15 Historical gross returns 21 Rate of return expectation Historical performance of the fund over a specified time The benchmark the fund manager expects to meet or period. All performance histories are offered for illustrative exceed over the long term. purposes only and are not a guarantee of future

Group Savings and Retirement Solutions’ products and services are offered through Manulife Financial (The Manufacturers Life Company). Manulife Financial is a leading Canadian-based group serving millions of customers in 19 countries and territories worldwide. Operating as Manulife Financial in Canada and Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘0945’ on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com. Manulife Financial and the block design are registered service marks and trademarks of The Manufacturers Company and are used by it and its affiliates including Manulife Financial Corporation.

GP4943E (04/2008)