Fund Facts (Applicable to All Series) Effective May 27, 2019 Performance As at December 31, 2018

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SEGREGATED FUND SOLUTIONS

MANULIFE IDEAL SIGNATURE SELECT ™

Fund Facts (Applicable to all Series) Effective May 27, 2019 Performance as at December 31, 2018

The Manufacturers Life Insurance Company (“Manulife”) is the issuer of the Manulife Ideal Signature Select insurance contract and the guarantor of any guarantee provisions therein.

THE MANUFACTURERS LIFE INSURANCE COMPANY

Manulife Certificate

The Manufacturers Life Insurance Company (“Manulife”) is the issuer of the Manulife Ideal Signature Select insurance contract and the guarantor of any guarantee provisions contained therein. The contract offers a variety of segregated funds including money market, bond, dividend, balanced, equity and foreign funds (referred to as the “Funds”). The underlying investments of the Funds may be units of mutual funds, pooled funds or other selected investment funds. Copies of the simplified prospectus, annual information form, financial highlights and audited financial statements of the underlying investments are available upon request.

A description of the key features of the individual variable insurance contract is contained in the Information Folder and Contract. The Information Folder provides brief and plain disclosure of all material facts relating to the Manulife Ideal Signature Select contract.

Subject to any applicable Death, Maturity and Payout Benefit Guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contractholder and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

Bernard Letendre Marie Gauthier Head of Wealth and Asset Head of Pricing & Guaranteed Management, Canada Investment Products Manulife Manulife

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 3 Table of Contents

Comprehensive and up-to-date fund information CI Investments Inc. at your fingertips! ...... 5 Ideal CI Black Creek Global Balanced Fund ...... 64 How to read a Manulife Ideal Signature Select Ideal CI Cambridge High Income Fund ...... 66 Fund Facts sheet ...... 7 Ideal CI Signature Canadian Balanced Fund ...... 68 Potential Risks of Investing ...... 9 Fidelity Investments Canada ULC What if I change my mind? ...... 11 Ideal Fidelity Canadian Balanced Fund ...... 70 Manulife & Manulife Asset Management Limited Ideal Fidelity Global Monthly Income Fund ...... 72 Ideal Aggressive Portfolio ...... 12 Ideal Fidelity Monthly Income Fund ...... 74 Ideal Bond Fund ...... 14 Ideal Canadian Dividend Growth Fund ...... 16 Franklin Templeton Investments Corp. Ideal Canadian Unconstrained Bond Fund ...... 18 Ideal Franklin Bissett Canadian Balanced Fund ...... 76 Ideal Conservative Portfolio ...... 20 Ideal Franklin Quotential Balanced Growth Portfolio ...... 78 Ideal Dividend Growth & Income Portfolio ...... 22 Ideal Franklin Quotential Balanced Income Portfolio ...... 80 Ideal Dollar Cost Averaging Program ...... 24 Ideal Franklin Quotential Diversified Income Portfolio ..... 82 Ideal Dollar-Cost Averaging Advantage Fund (capped) ... 26 Ideal Templeton Global Balanced Fund ...... 84 Ideal Fundamental Dividend Fund ...... 28 Ideal Fundamental Income Class ...... 30 Standard Life Investments Limited Ideal Fundamental Income Fund ...... 32 Ideal Global Balanced Fund ...... 34 Ideal Global Absolute Return Strategies Fund ...... 86 Ideal Global Dividend Growth Fund ...... 36 Ideal Global Strategic Balanced Yield Fund ...... 38 Fund Highlights ...... 88 Ideal Growth Portfolio ...... 40 Information Specific to Platinum no-load and F-Class ...... 90 Ideal Moderate Portfolio ...... 42 Information Specific to Platinum no-load & F-Class ...... 92 Ideal Money Market Fund ...... 44 Objective and Strategy ...... 94 Ideal Select Aggressive Portfolio ...... 46 Ideal Select Conservative Portfolio ...... 48 Ideal Select Dividend Growth & Income Portfolio ...... 50 Ideal Select Growth Portfolio ...... 52 Ideal Select Moderate Portfolio ...... 54 Ideal Strategic Income Fund ...... 56 Ideal Strategic Investment Grade Global Bond Fund ...... 58 Ideal U.S. Dividend Income Fund ...... 60 Ideal U.S. Monthly High Income Fund ...... 62

4 THE MANUFACTURERS LIFE INSURANCE COMPANY Comprehensive and up-to-date fund information at your fingertips!

GETTING COMPREHENSIVE AND UP-TO-DATE FUND INFORMATION HAS NEVER BEEN EASIER.

Access “Rates & Fund Performance” at www.manulife.ca/investments – a one-stop shop providing access to valuable fund information to help you build and maintain better portfolios.

Under “Rates & Fund Performance”, you can easily access the following information: INTERACTIVE CHARTING CAPABILITIES – to analyze a fund’s FUND INFORMATION – fund prices, performance performance or relative performance to an index or other funds. history, short-term, long-term and annual rates of return, quartile DYNAMIC PRINT CAPABILITIES – ability to rankings, asset mixes, top holdings, key fund facts and more. dynamically create up-to-date PDF fund profiles that are COMPREHENSIVE COMMENTARY & ANALYSIS – overview of professionally designed. performance by manager, risk characteristics and market analysis providing you with the most up-to-date information available.

The i-Watch® philosophy

Investment Management Services (IMS) iWatch

The IMS team operates independently and is staffed by a group of In order to ensure the best of class funds, IMS developed the analysts and industry professionals whose credentials mirror those Investment Watch® (i-Watch®) program. The program incorporates found in the most respected investment-consulting firms. The IMS an institutional quality approach to conducting ongoing systematic team conducts ongoing systematic firm and fund reviews which firm and fund reviews. All funds open for new investment are consist of careful research and analysis to support understanding quantitatively monitored on a quarterly basis. This is supported by of both the investment firms and investment funds included in the an annual due diligence review which includes an examination of Segregated Fund platform. IMS is an important part of the ongoing the evolving characteristics of the fund, and face-to-face meetings monitoring and oversight process and will review and provide with the fund Manager. Additionally, on a bi-annual basis, a consultation in any major changes to the platform. comprehensive operational due-diligence review is conducted.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 5 The “Rates & Fund Performance” tool places valuable information at your fingertips to help you find the information you need to build and maintain high quality investment portfolios. It’s just one more example of how we help you invest for your future.

HOW TO FIND THE ”RATES & FUND PERFORMANCE“ TOOL

1. Go to www.manulife.ca 2. Click on Rates & Fund Performance under the Quick Links section 3. Click on Manulife Segregated Funds

1 Select the product, series, etc. from the filters at the top 1 2 Click on the fund name/series to access the interactive 3 fund profile 4 3 “Download selected” - prints all funds you selected in the list in color PDFs

4 Detailed fund information tabs 2 5 Fund information overview

6 Interactive charting capabilities

7 Detailed holdings information - Asset Allocation, Detailed fund information Geographic Allocation, Top 10 Holdings, etc.

8 Printable, full-colour PDFs

6 THE MANUFACTURERS LIFE INSURANCE COMPANY How to read a Manulife Ideal Signature Select fund sheet

1 13 FUND NAME: This is the full name of the segregated fund WHAT DOES THIS FUND INVEST IN? within your Manulife Ideal Signature Select contract. Underlying Fund: The underlying investments of the Fund 2 DATE FUND AVAILABLE: This is the date on which may be units of mutual funds or other investment funds. When the Fund was first made available in the Manulife Ideal a transaction (e.g. premium allocation or withdrawal) is made Signature Select contract. It is also the date from which we in a Fund, the transaction will purchase or redeem units of the measure performance. underlying fund that corresponds to the Fund. For example, 3 if you purchase units of the “Ideal Canadian Corporate Bond DATE FUND CREATED: This is the date on which the Fund Fund” the Fund invests in units of the “Manulife Canadian became available for sale in other Ideal products. This date Corporate Bond Fund”. Each Fund will also contain a small may be older than the Date Fund Available as the Fund may cash component in addition to the underlying mutual fund have been previously offered under another Ideal segregated component. The goal of the fund-on-fund strategy is to produce fund contract. returns consistent with, and based on, the underlying fund. The 4 MANAGED BY: This is the name of the fund management fundamental investment objective is available upon request. company that manages the fund. Top Investments (within the underlying fund): This lists the 5 TOTAL UNITS OUTSTANDING: This is the total number of top investments in the (underlying) fund. It is listed beginning units outstanding for all classes of the Fund. with the highest weighting to the lowest. The holdings may change due to ongoing portfolio transactions. If you would 6 TOTAL FUND VALUE: This is the total market value for all like more current information please refer to our website at classes of the Fund’s assets. www.manulife.ca/investments 7 PORTFOLIO TURNOVER RATE: 14 A measure of how HOW RISKY IS IT? The risk rating measures a Fund’s frequently assets within the Fund are bought and sold. A fluctuation in monthly returns. A Fund with high risk has portfolio turnover rate of 100% is equivalent to the Fund buying experienced larger fluctuations of monthly returns than a Fund and selling all of the holdings in its portfolio once in the course with low risk. While higher risk funds may be more volatile in the of the year. short term, over the long term (10 years or more) a higher risk 8 GUARANTEE OPTIONS: These are the guarantee options Fund will generally earn more than a lower risk investment. that are available with the Fund. Generally, the greater the return you want to earn on your 9 MINIMUM INVESTMENT: This is the minimum initial investments, the greater risk you have to assume. This increased premium amount required. gain is what investors expect in exchange for assuming the higher risk of these volatile investments. You can use the 10 MANAGEMENT EXPENSE RATIO (MER): MERs include all overall risk rating for each investment option to choose the expenses of the segregated fund such as the management fee, investments that fit with your investment strategy. For any Fund insurance fee, operating expenses and applicable sales tax. There with less than one-year history, the rating is not provided due to is no duplication of fees from the underlying funds. The MER is insufficient segregated fund history. an estimate for the current year and is subject to change. 15 WHO IS THIS FUND FOR? This states a general description 11 UNITS OUTSTANDING: This is the total number of units of the type of investor the Fund would be suitable for. outstanding for the Guarantee Option. 12 NET ASSET VALUE PER UNIT: The value of each unit in the Fund as at the date shown. The total market value of the Fund’s assets, minus their liabilities, divided by the number of units outstanding.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 7 How to read a Manulife Ideal Signature Select fund sheet

16 17 HOW HAS THE FUND PERFORMED? ARE THERE ANY GUARANTEES? This states that guarantees are provided under this contract. Average Return: This states how much a $1,000 investment 18 HOW MUCH DOES IT COST? in the Fund would be worth when the most basic guarantee This describes the fees and option was chosen and the average annual return as a percent expenses to buy, own and sell units of the fund. for the years shown. For any Fund with less than one-year Sales Charges: This shows the percentage amount of any history, the information is not provided due to insufficient sales charge options and a description for each of how they work segregated fund history. Ongoing fund expenses: This describes the MER for the fund Year by Year Returns: This chart shows you the Fund’s annual and any different charges for different guarantee options performance. Each bar shows in percentage terms how much Trailing commission: This describes the ongoing commission an investment made on January 1 would have changed by paid to your advisor December 31 in that same year. Where the Fund has not had 10 years of history, the performance of the underlying mutual fund is shown for the time period prior to the availability of the Fund. If the Fund has been in existence during those years, its performance could be expected to be different from that indicated for the underlying mutual fund due to the additional costs of the guarantees or other administrative expenses. For any Fund with less than one-year history, the graph is not provided due to insufficient segregated fund history.

IDEAL BOND FUND Fund Facts — Manulife Ideal Signature Select HOW MUCH DOES IT COST? The Manufacturers Life Insurance Company 18 The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge IDEAL BOND FUND 1 option you choose. The ongoing fees and expenses are different for each guarantee option. Performance as at December 31, 2018 1. Sales Charges QUICK FACTS SALES CHARGE WHAT YOU PAY HOW IT WORKS 2 4 6 OPTION Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $193,377,227 Deferred Sales When you invest, Manulife pays a Date Fund Created: October 2010 Total Units Outstanding: 18,407,497 Portfolio Turnover Rate: 26.76% If you sell within: % • The sales charge is deducted from the amount you Charge (DSC) commission of 5.0%. Any sales charge 1 year of buying 6.00 sell 3 5 7 you pay goes to Manulife. • You can sell up to 10% (20% for RRIF tax types) of GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING 2 years of buying 5.00 UNIT your units each year without paying a sales charge 3 years of buying 5.00 • You can switch to units of other funds within the Ideal 75/100 Series 1,000 2.26 9.8481 645,844 4 years of buying 4.00 same guarantee option and sales charge option Ideal 100/100 Series 1,000 2.53 9.7816 316,335 5 years of buying 3.00 without paying any sales charge. The sales charge 8 9 10 12 11 schedule will be based on the date you invest in your 6 years of buying 2.00 first fund WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? 16 7 years of buying 1.00 13 This Segregated Fund invests in the Manulife Bond mutual fund. The underlying This section tells you how the Fund has performed over the past 2 years for a After 7 years 0.00 fund invests primarily in Canadian fixed income investments. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER Low Load Sales If you sell within: % When you invest, Manulife pays a has been deducted. Charge commission of 2.5%. Any sales charge Top 10 investments (of the underlying fund) % 1 year of buying 3.00 you pay goes to Manulife. Ontario (Province of), 2.6%, 6/2/2025 6.38 It’s important to note that this doesn’t tell you how the fund will perform in the 2 years of buying 2.00 future. Also, your actual return will depend on the guarantee option and sales Gov. of Canada, 2.75%, 12/1/2048 3.58 3 years of buying 1.00 charge option you choose and on your personal tax situation. Ontario (Province of), 3.5%, 6/2/2024 3.00 After 3 years Quebec (Province of), 3.5%, 12/1/2048 1.28 Average return Quebec (Province of), 3.5%, 12/1/2045 1.23 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series 2. Ongoing Fund Expenses Canada Housing Trust No.1, 2.65%, 12/15/2028 1.02 on May 17, 2016 has $984.10 on December 31, 2018. This works out to an Gov. of Canada, 3.5%, 12/1/2045 1.02 average of -0.61% per year. The management expense ratio (MER) includes the management fee and Guarantee Option MER (Annual rate as a Ontario (Province of), 2.9%, 6/2/2049 1.01 operating expenses of the fund. The MER includes the insurance cost for the % of the fund value) Year-by-year returns Any values close to zero may not be visible. Gov. of Canada, 2.75%, 12/1/2064 0.98 guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect Ideal 75/100 Series 2.26 Ontario (Province of), 3.45%, 6/2/2045 0.90 This chart shows how the Fund has performed in each of the past 2 years for a you because they reduce the return you get on your investment. For details about Ideal 100/100 Series 2.53 Total 20.39 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund how the guarantees work, see your insurance contract. was up in value 1 year and down in value 1 year. Total investments: 464 Trailing commission % 1.0 Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your Investment Segmentation % Assets 0.5 advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.  CANADIAN BONDS & DEBENTURES 90.4 0.0  U.S. BONDS 6.2 -0.5 3. Other Fees  CASH AND EQUIVALENTS 3.1 -1.0  GLOBAL BONDS 0.6 Trading Fees apply to all guarantee options and sales charge options and are paid to Manulife. -1.5 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 FEE WHAT YOU PAY Short Term Trading Fee 2% of the value of the transaction amount if you sell or transfer within 90 days, in addition to any applicable charges. Ideal Bond Fund

For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. You can change your mind about investing in this fund, but you may have as little as 2 days to do so. For more details, see "What If I Change My Mind?" and for ARE THERE ANY GUARANTEES? HOW RISKY IS IT? 14 details on how to contact Manulife for additional information, see "For More Information". Both sections appear after the Fund Facts pages in this booklet. 17 This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High 15 WHO IS THIS FUND FOR? This fund may be right for a person seeking interest income with an emphasis on capital preservation.

8 THE MANUFACTURERS LIFE INSURANCE COMPANY Potential Risks of Investing The underlying investments of the segregated funds may be units of mutual funds, pooled funds or other selected investments. The risk factors of the underlying investments directly affect those investments and will also affect the segregated funds. For a comprehensive disclosure of the risks of these underlying funds, refer to the simplified prospectus or other disclosure documents of the underlying funds, copies of which are available upon request.

ASSET-BACKED AND MORTGAGE-BACKED RISK If there particular market index or industry sector index. ETFs may are changes in the market’s perception of the issuers of not achieve the same return as their benchmark market asset backed or mortgage backed securities, or in the or industry sector indices due to, among other things, creditworthiness of the parties involved, then the value of differences in the actual weights of securities held in the the securities may be affected. In addition, for asset-backed ETF versus the weights in the relevant index (any such securities, there is a risk that there may be a mismatch differences are usually small) and due to the operating in timing between the cash flow of the underlying assets and management expenses of the ETFs. An ETF may, for a backing the security and the repayment obligation of the variety of reasons, also fail to accurately track the market security upon maturity. In the use of mortgage-backed segment or index that underlies its investment objective. The securities, there are also risks that there may be a drop price of an ETF can also fluctuate and the value of Funds in the interest rates charged on mortgages, a mortgagor that invest in securities offered by ETFs will change with may default in its obligations under a mortgage or there these fluctuations. may be a drop in the value of the property secured by FOREIGN CURRENCY RISK occurs when an underlying the mortgage. fund invests in countries other than Canada or holds CREDIT RISK is the risk of default by the issuer of debt assets valued in another currency, which may decline in instruments, such as bond or money market instruments. value relative to the Canadian currency. This situation will Default will negatively impact the value of assets within adversely affect the returns of those foreign assets held in the underlying fund, thus lowering the overall return of the underlying fund and the total return of the Fund. the Fund. INFLATION RISK is the risk that inflation will affect interest DERIVATIVE RISK occurs when derivatives are used as a risk rates and, in turn, make assets within an underlying fund management tool to mitigate risks or diversify risks that are less attractive from a price perspective, thus hurting the not desired. Some Funds and underlying mutual funds may overall performance of the Fund. invest in derivatives for hedging purposes, for achieving the INTEREST RATE RISK is the chance that interest rates may duration target or for replicating the approximate return of a fluctuate, and thereby may negatively impact the value of direct investment in the underlying mutual funds(s). A Fund’s the assets within an underlying fund, thus lowering the ability to dispose of the derivatives depends on the liquidity overall return of the Fund. of such positions in the market, if the market direction LIQUIDITY RISK is the risk that an investment cannot be goes against the manager’s forecast, and the ability of the easily convereted into cash. An investment may be less other party to fulfill its obligations. Therefore, there is no liquid if it is not widely traded, if there are restrictions on guarantee that transactions involving derivatives will always the exchange where the trading takes place or due to legal be beneficial to the Fund. The use of derivative instruments restrictions, the nature of the investment itself, settlement is prohibited in acquiring investment exposures not otherwise terms, or for other reasons such as a shortage of buyers permitted in the Fund’s investment description. interested in a particular investment or an entire market. EXCHANGE-TRADED FUND RISK Certain Funds may invest Investments with low liquidity can have dramatic changes in in securities of exchange-traded funds (“ETFs”). These ETFs value and can result in loss. seek to provide returns similar to the performance of a

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 9 MANAGER RISK is the chance that a fund manager may the value of the collateral held by the fund. To limit the risks purchase a poor asset or may dispose of an asset which associated with these transactions, a fund would adhere to continues to grow in value; the fund manager may fail to controls and limits that are intended to offset these risks and recognize increasing or decreasing market conditions. Any or by limiting the amount of exposure to these transactions. A all of these can directly affect the performance of the Fund. fund would also typically deposit collateral only with lenders MARKET RISK is the fundamental risk of investing in that meet certain criteria for creditworthiness and only up to the capital markets. It is the risk that the assets of the certain limits. underlying fund will decline in value simply because the SMALL COMPANY RISK is the result of smaller companies market, as a whole, declines in value, thereby lowering the having valuations that tend to be more volatile than those overall return of the Fund. of large established companies. As such, the value of Funds REAL ESTATE RISK by nature is not a liquid asset. There is that buy investments in smaller companies may rise and no formal market for trading in real property and very few fall significantly. records are available to the public, which give terms and SOVEREIGN RISK applies when investing abroad as there may conditions of real property transacations. It may take time be additional risk of the Fund’s capital to companies outside to sell real estate investments at a reasonable price, limiting of the laws of Canada. Information flow, liquidity, political the funds ability to respond quickly to changes in economic stability and social policy may all affect the prices of foreign or investment conditions. investments and in return the value of the assets within the SECURITIES LENDING, REPURCHASE AND REVERSE Fund, thus hurting the overall performance of the Fund. REPURCHASE TRANSACTION RISK: Funds may engage SPECIALIZATION RISK Some Funds specialize in investing in securities lending, repurchase and reverse repurchase in a particular industry or part of the world. Specialization transactions directly, or may be exposed to these transactions allows the portfolio advisor to focus on specific areas of the indirectly because of the underlying funds in which they economy, which can boost profits if both the sector and invest. While securities lending, repurchase and reverse the companies selected prosper. However, if the industry repurchase transactions are different, all three arrangements or geographic area experience challenges, the Fund will involve the temporary exchange of securities for cash with suffer because there are relatively few other exposures to a simultaneous obligation to redeliver a like quantity of offset and because securities in the same industry tend to the same securities at a future date. Securities lending is be affected by challenges in a similar manner. The Fund an agreement whereby a fund lends securities through must follow its investment objective and may be required to an authorized agent in exchange for a fee and a form of continue to invest primarily in securities in the industry or acceptable collateral. Under a repurchase transaction, a fund geographic area, whether or not it is prosperous. agrees to sell securities for cash, while at the same time SUBSTANTIAL SECURITYHOLDER RISK A Fund may have one assuming an obligation to repurchase the same securities for or more substantial investors who hold a significant amount cash, usually at a lower price and at a later date. A reverse of securities of the Fund, such as a financial institution or repurchase transaction is a transaction in which a fund a Top Fund. If a substantial investor decides to redeem its buys securities for cash and simultaneously agrees to resell investment in a Fund, the Fund may be forced to sell its the same securities for cash, usually at a higher price and investments at an unfavourable market price in order to at a later date. The risks associated with securities lending, accommodate such request. The Fund may also be forced repurchase and reverse repurchase transactions arise when to change the composition of its portfolio. Such actions a counterparty, whether it be the borrower, seller or buyer, may result in considerable price fluctuations to the Fund’s defaults under the agreement evidencing the transaction. The net asset value and negatively impact on its returns. The fund is then forced to make a claim in order to recover its Funds do, however, have policies and procedures designed investment. In securities lending or repurchase transactions, to monitor, detect and deter inappropriate short-term or the fund could incur a loss if the value of the securities excessive trading. See “Short-Term Trading”. loaned or sold has increased relative to the value of the UNDERLYING FUND RISK collateral held by the fund. In the case of a reverse repurchase applies where a segregated fund transaction, the fund could incur a loss if the value of the that invests in units of an underlying fund may be exposed to the risks associated with the underlying fund. securities purchased by the fund decreases in value relative to

10 THE MANUFACTURERS LIFE INSURANCE COMPANY This section of the Fund Facts Booklet contains individual Fund Facts for each segregated fund available through your Manulife Ideal Signature Select contract. You can choose to invest in one or more of these funds.

The individual Fund Facts give you an idea of what each segregated fund invests in, how it has performed and what fees or charges may apply. The description of each segregated fund in the individual Fund Facts is not complete without the following description of your rescission rights and our contact information.

WHAT IF I CHANGE MY MIND?

You can change your mind about your investment in a You have to tell us in writing that you want to cancel. fund within two business days of the earlier of the date The amount returned will be the lesser of the amount you you received confirmation or five business days after it is invested, or the value of the fund if it has gone down. mailed. You can also change your mind about subsequent The amount returned only applies to the specific transaction transactions you make under the contract within two and will include a refund of any sales charges or other business days of the earlier of the date you received fees you paid. confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction.

FOR MORE INFORMATION

This summary may not contain all the information you need. Please read the contract and the Information Folder or you may contact us at:

Manulife 500 King St N Waterloo ON N2J 4C6 www.manulife.ca/investments Toll Free 1 888 841-6633 Canada, Outside of Quebec 1-888-790-4387, Quebec & French Business 1-800-355-6776

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 11 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL AGGRESSIVE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $72,177,852 Date Fund Created: January 2003 Total Units Outstanding: 4,781,606 Portfolio Turnover Rate: 52.96%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.35 10.8331 418,652 Ideal 100/100 Series 1,000 3.63 10.7541 747,606

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of underlying funds. The Fund invests a This section tells you how the Fund has performed over the past 2 years for a larger portion of its assets in Canadian and foreign equities. The Fund also contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests a smaller portion of its assets in Canadian and foreign fixed income. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife World Investment Fund 11.46 future. Also, your actual return will depend on the guarantee option and sales Manulife Global Dividend Fund 11.30 charge option you choose and on your personal tax situation. Manulife Emerging Markets Fund 8.65 Average return Manulife Dividend Income Plus Fund 8.61 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series MAM Emerging Market Equity Pooled Fund 8.33 on May 17, 2016 has $1,087.40 on December 31, 2018. This works out to an Manulife U.S. Unconstrained Bond Fund 7.60 average of 3.24% per year. Manulife Global Franchise Fund 7.42 Manulife Fundamental Dividend Fund 5.91 Year-by-year returns Any values close to zero may not be visible. Manulife Dividend Income Fund 5.18 This chart shows how the Fund has performed in each of the past 2 years for a Manulife International Value Equity Fund 4.70 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 79.17 was up in value 1 year and down in value 1 year.

Total investments: 17 % 15

Investment Segmentation % Assets 5

 GLOBAL EQUITIES 45.5 0  U.S. EQUITIES 22.1 -5  CANADIAN EQUITIES 16.1 -10  U.S. BONDS 7.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 6.6  CANADIAN BONDS & DEBENTURES 1.9 Ideal Aggressive Portfolio  REITS 0.8 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 0.8 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in global equities.

12 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL AGGRESSIVE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

Deferred Sales If you sell within: % When you invest, Manulife pays a • The sales charge is deducted from the amount you Charge (DSC) commission of 5.0%. Any sales charge 1 year of buying 6.00 sell you pay goes to Manulife. • You can sell up to 10% (20% for RRIF tax types) of 2 years of buying 5.00 your units each year without paying a sales charge 3 years of buying 5.00 • You can switch to units of other funds within the 4 years of buying 4.00 same guarantee option and sales charge option 5 years of buying 3.00 without paying any sales charge. The sales charge schedule will be based on the date you invest in your 6 years of buying 2.00 first fund 7 years of buying 1.00 After 7 years 0.00

Low Load Sales If you sell within: % When you invest, Manulife pays a Charge commission of 2.5%. Any sales charge 1 year of buying 3.00 you pay goes to Manulife. 2 years of buying 2.00 3 years of buying 1.00 After 3 years

Trailing commission Manulife pays a trailing commission of up to 1.00% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.

3. Other Fees Trading Fees apply to all guarantee options and sales charge options and are paid to Manulife. FEE WHAT YOU PAY Short Term Trading Fee 2% of the value of the transaction amount if you sell or transfer within 90 days, in addition to any applicable charges.

You can change your mind about investing in this fund, but you may have as little as 2 days to do so. For more details, see "What If I Change My Mind?" and for details on how to contact Manulife for additional information, see "For More Information". Both sections appear after the Fund Facts pages in this booklet.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 13 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL BOND FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $193,377,227 Date Fund Created: October 2010 Total Units Outstanding: 18,407,497 Portfolio Turnover Rate: 26.76%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 2.26 9.8481 645,844 Ideal 100/100 Series 1,000 2.53 9.7816 316,335

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Bond mutual fund. The underlying This section tells you how the Fund has performed over the past 2 years for a fund invests primarily in Canadian fixed income investments. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER has been deducted. Top 10 investments (of the underlying fund) % Ontario (Province of), 2.6%, 6/2/2025 6.38 It’s important to note that this doesn’t tell you how the fund will perform in the Gov. of Canada, 2.75%, 12/1/2048 3.58 future. Also, your actual return will depend on the guarantee option and sales Ontario (Province of), 3.5%, 6/2/2024 3.00 charge option you choose and on your personal tax situation. Quebec (Province of), 3.5%, 12/1/2048 1.28 Average return Quebec (Province of), 3.5%, 12/1/2045 1.23 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Canada Housing Trust No.1, 2.65%, 12/15/2028 1.02 on May 17, 2016 has $984.10 on December 31, 2018. This works out to an Gov. of Canada, 3.5%, 12/1/2045 1.02 average of -0.61% per year. Ontario (Province of), 2.9%, 6/2/2049 1.01 Gov. of Canada, 2.75%, 12/1/2064 0.98 Year-by-year returns Any values close to zero may not be visible. Ontario (Province of), 3.45%, 6/2/2045 0.90 This chart shows how the Fund has performed in each of the past 2 years for a Total 20.39 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund was up in value 1 year and down in value 1 year. Total investments: 464

% 1.0

Investment Segmentation % Assets 0.5  CANADIAN BONDS & DEBENTURES 90.4 0.0

 U.S. BONDS 6.2 -0.5  CASH AND EQUIVALENTS 3.1 -1.0  GLOBAL BONDS 0.6 -1.5 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Ideal Bond Fund

For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking interest income with an emphasis on capital preservation.

14 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL BOND FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

Trailing commission Manulife pays a trailing commission of up to 0.50% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 15 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CANADIAN DIVIDEND GROWTH FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $348,862,767 Date Fund Created: December 1998 Total Units Outstanding: 18,086,804 Portfolio Turnover Rate: 4.88%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 2.80 10.4682 999,744

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the This section tells you how the Fund has performed over the past 2 years. Manulife Canadian Dividend Growth mutual fund. The underlying fund invests Returns are after the MER has been deducted. in a mix of Canadian equities. The underlying fund invests either directly or It’s important to note that this doesn’t tell you how the fund will perform in the through one or more underlying funds. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Toronto Dominion Bank 6.37 Average return Bank of Nova Scotia 6.37 A person who invested $1,000 in the Fund on May 17, 2016 has $1,049.50 on Royal Bank of Canada 5.34 December 31, 2018. This works out to an average of 1.86% per year. BCE Inc. 5.02 Enbridge Inc. 3.97 Year-by-year returns Any values close to zero may not be visible. Canadian Imperial Bank of Commerce 3.46 This chart shows how the Fund has performed in each of the past 2 years for a Microsoft Corp. 3.31 contractholder. In the last 2 years the fund was up in value 1 year and down in Medtronic plc 2.70 value 1 year. Brookfield Infrastructure Partners L.P. 2.66 Canadian National Railway Co. 2.62 % 10

Total 41.83 5 Total investments: 55 0

-5 Investment Segmentation % Assets  -10 CANADIAN EQUITIES 69.1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 16.5  GLOBAL EQUITIES 12.5 Ideal Canadian Dividend Growth Fund  REITS 1.8 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  CASH AND EQUIVALENTS 0.7 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in equities.

16 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CANADIAN DIVIDEND GROWTH FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 17 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CANADIAN UNCONSTRAINED BOND FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $3,939,838 Date Fund Created: November 2014 Total Units Outstanding: 389,210 Portfolio Turnover Rate: 31.08%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 2.51 9.9133 134,957 Ideal 100/100 Series 1,000 2.76 9.8492 9,384

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund, using a Tactical Asset Allocation approach, invests This section tells you how the Fund has performed over the past 2 years for a primarily in fixed-income securities of Canadian and foreign issuers. These contractholder who has chosen Ideal 75/100 Series. Returns are after the MER securities may include federal and provincial government, as well as corporate has been deducted. bonds and debentures. The Fund currently invest most of its assets in units of It’s important to note that this doesn’t tell you how the fund will perform in the the Manulife Canadian Unconstrained Bond mutual fund. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Gov. of Canada, 2.75%, 12/1/2048 2.63 Average return Ontario (Province of), 2.85%, 6/2/2023 2.18 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Canada Housing Trust No.1, 2.55%, 3/15/2025 1.76 on May 17, 2016 has $990.60 on December 31, 2018. This works out to an Gov. of Canada, 2%, 6/1/2028 1.40 average of -0.36% per year. Ontario (Province of), 2.9%, 6/2/2049 1.28 Quebec (Province of), 2.75%, 9/1/2028 1.23 Year-by-year returns Any values close to zero may not be visible. Quebec (Province of), 3.5%, 12/1/2048 1.19 This chart shows how the Fund has performed in each of the past 2 years for a Prime Security Services Borrower LLC, 9.25%, 5/15/2023 144A 1.10 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Gov. of Canada, 6/1/2041 1.08 was up in value 1 year and down in value 1 year. Quebec (Province of), 5.75%, 12/1/2036 0.98 % Total 14.82 2 Total investments: 448 1 0

-1 Investment Segmentation % Assets -2  CANADIAN BONDS & DEBENTURES 63.4 -3  U.S. BONDS 31.8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL BONDS 2.8  CASH AND EQUIVALENTS 2.1 Ideal Canadian Unconstrained Bond Fund  CANADIAN EQUITIES 0.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking income, capital growth and capital preservation. They are also seeking the benefits of a tactical mix of fixed-income instruments. They are comfortable with the risks of investing in global markets.

18 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CANADIAN UNCONSTRAINED BOND FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 19 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CONSERVATIVE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $547,968,584 Date Fund Created: January 2003 Total Units Outstanding: 43,858,234 Portfolio Turnover Rate: 56.36%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 2.93 10.3704 5,771,409 Ideal 100/100 Series 1,000 3.23 10.2952 3,826,303

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of underlying funds. The Fund invests a This section tells you how the Fund has performed over the past 2 years for a larger portion of its assets in Canadian and foreign fixed income. The Fund also contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests a smaller portion of its assets in Canadian and foreign equities. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife Bond Fund 32.64 future. Also, your actual return will depend on the guarantee option and sales Manulife Canadian Unconstrained Bond Fund 13.95 charge option you choose and on your personal tax situation. Manulife World Investment Fund 9.07 Average return Manulife Money Market Fund 6.52 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Fundamental Dividend Fund 5.05 on May 17, 2016 has $1,038.50 on December 31, 2018. This works out to an MAM Emerging Market Equity Pooled Fund 4.71 average of 1.45% per year. Manulife Strategic Investment Grade Global Bond Fund 4.21 Manulife U.S. All Cap Equity Fund 3.94 Year-by-year returns Any values close to zero may not be visible. Manulife Dividend Income Fund 3.68 This chart shows how the Fund has performed in each of the past 2 years for a Manulife U.S. Unconstrained Bond Fund 3.65 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 87.42 was up in value 1 year and down in value 1 year.

Total investments: 15 % 8 6 Investment Segmentation % Assets 4 2  CANADIAN BONDS & DEBENTURES 38.8 0  GLOBAL EQUITIES 21.8 -2  U.S. BONDS 11.3 -4  CASH AND EQUIVALENTS 10.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 10.1  CANADIAN EQUITIES 5.5 Ideal Conservative Portfolio  GLOBAL BONDS 2.5 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.4 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential to maintain their capital. They are also seeking some potential income. They are comfortable with the risks of investing in equities.

20 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CONSERVATIVE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 21 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL DIVIDEND GROWTH & INCOME PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $182,199,423 Date Fund Created: January 2009 Total Units Outstanding: 13,628,361 Portfolio Turnover Rate: 49.87%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.34 10.5906 2,409,555 Ideal 100/100 Series 1,000 3.61 10.5177 1,657,544

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of dividend growth and monthly income This section tells you how the Fund has performed over the past 2 years for a funds. The Fund invests in Canadian and foreign equities. The Fund also invests contractholder who has chosen Ideal 75/100 Series. Returns are after the MER in Canadian and foreign fixed income. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife Fundamental Dividend Fund 11.60 future. Also, your actual return will depend on the guarantee option and sales Manulife World Investment Fund 10.84 charge option you choose and on your personal tax situation. Manulife Dividend Income Fund 8.77 Average return MAM Emerging Market Equity Pooled Fund 7.64 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Global Dividend Growth Fund 7.20 on May 17, 2016 has $1,064.40 on December 31, 2018. This works out to an Manulife U.S. Unconstrained Bond Fund 7.13 average of 2.41% per year. Manulife Global Dividend Fund 6.70 Manulife Emerging Markets Fund 6.60 Year-by-year returns Any values close to zero may not be visible. Manulife Fundamental Equity Fund 6.27 This chart shows how the Fund has performed in each of the past 2 years for a Manulife U.S. Dividend Income Fund 5.36 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 78.12 was up in value 1 year and down in value 1 year.

Total investments: 18 % 10 8 6 Investment Segmentation % Assets 4 2  GLOBAL EQUITIES 39.9 0  U.S. EQUITIES 21.9 -2  CANADIAN EQUITIES 15.8 -4 -6  U.S. BONDS 9.1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 7.4  CANADIAN BONDS & DEBENTURES 4.3 Ideal Dividend Growth & Income Portfolio  GLOBAL BONDS 1.6 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.8 depend on the guarantee option you choose.

22 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL DIVIDEND GROWTH & INCOME PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 23 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL DOLLAR COST AVERAGING PROGRAM

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2019 Fund Manager: Manulife Total Fund Value: -- Date Fund Created: May 2019 Total Units Outstanding: 1,100 Portfolio Turnover Rate: --

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 0.00 10.0000 50 Ideal 75/100 Series 1,000 0.00 10.0000 50 Ideal 100/100 Series 1,000 0.00 10.0000 50

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests primarily in Canadian cash and on demand This section tells you how the Fund has performed over the past years for a deposit accounts. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER has been deducted. This fund did not exist prior to December 2018, so no information is available for the Top 10 Holdings. It’s important to note that this doesn’t tell you how the fund will perform in the future. Also, your actual return will depend on the guarantee option and sales This fund did not exist prior to December 2018, so no information is available charge option you choose and on your personal tax situation. for the Investment Segmentation. Average return The fund is not old enough to show performance history.

Year-by-year returns Any values close to zero may not be visible. The fund is not old enough to show performance history. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking interest income with an emphasis on capital preservation.

24 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL DOLLAR COST AVERAGING PROGRAM HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and Guarantee Option MER (Annual rate as a operating expenses of the fund. The MER includes the insurance cost for the % of the fund value) guarantee. You don’t pay these expenses directly. MERs and guarantee fees affect Ideal 75/75 Series 0.00 you because they reduce the return you get on your investment. Manulife is currently waiving the management fee of this fund, at its discretion. Rather, Ideal 75/100 Series 0.00 Manulife is receiving a negotiated fee from Manulife Bank at a level that allows Ideal 100/100 Series 0.00 the fund to provide an interest rate comparable to the returns of Canadian money market segregated funds with similar features. This fee arrangement may change or be terminated at any time. In the event the fee arrangement is terminatterminated,ed, a management fee not exceeding 1.0% may be charged to the fund. For details about how the guarantees work, see your insurance contract.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 25 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL DOLLAR-COST AVERAGING ADVANTAGE FUND (CAPPED)

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: October 2016 Fund Manager: Manulife Total Fund Value: $64,064,653 Date Fund Created: July 2003 Total Units Outstanding: 5,753,500 Portfolio Turnover Rate: --

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 0.00 10.2563 138,030 Ideal 75/100 Series 1,000 0.00 10.2520 282,396 Ideal 100/100 Series 1,000 0.00 10.2526 251,555

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests primarily in Canadian cash and cash equivalents. This section tells you how the Fund has performed over the past 2 years for a contractholder who has chosen Ideal 75/100 Series. Returns are after the MER Top 10 investments % has been deducted. Canadian Dollar 99.30 Total 99.30 It’s important to note that this doesn’t tell you how the fund will perform in the future. Also, your actual return will depend on the guarantee option and sales Total investments: 1 charge option you choose and on your personal tax situation. Average return Investment Segmentation % Assets A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series  CASH AND EQUIVALENTS 99.3 on October 14, 2016 has $1,025.20 on December 31, 2018. This works out to an average of 1.13% per year.

Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed in each of the past 2 years for a contractholder who chose the Ideal 75/100 Series. In the past 2 years the Fund was up in value.

% 1.4 1.2 1.0 0.8 0.6 0.4 0.2 0.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Ideal Dollar-Cost Averaging Advantage Fund (capped)

26 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL DOLLAR-COST AVERAGING ADVANTAGE FUND (CAPPED) HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 27 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FUNDAMENTAL DIVIDEND FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $299,430,097 Date Fund Created: October 2007 Total Units Outstanding: 19,347,911 Portfolio Turnover Rate: 6.23%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 2.80 10.5586 806,976

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? The Segregated Fund currently invests most of it assets in units of the Manulife This section tells you how the Fund has performed over the past 2 years. Fundamental Dividend mutual fund. The underlying fund invests in a mix of Returns are after the MER has been deducted. Canadian and foreign equities. The underlying fund invests either directly or It’s important to note that this doesn’t tell you how the fund will perform in the through one or more underlying funds. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Bank of Nova Scotia 6.19 Average return Toronto Dominion Bank 5.88 A person who invested $1,000 in the Fund on May 17, 2016 has $1,059.20 on Royal Bank of Canada 5.22 December 31, 2018. This works out to an average of 2.22% per year. BCE Inc. 4.74 Enbridge Inc. 3.62 Year-by-year returns Any values close to zero may not be visible. Canadian Imperial Bank of Commerce 3.30 This chart shows how the Fund has performed in each of the past 2 years for a Loblaw Companies Ltd. 2.65 contractholder. In the last 2 years the fund was up in value 1 year and down in Microsoft Corp. 2.60 value 1 year. Brookfield Infrastructure Partners L.P. 2.37 Oracle Corp. 2.30 % 10

Total 38.87 5 Total investments: 53 0

-5 Investment Segmentation % Assets  -10 CANADIAN EQUITIES 68.9 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 15.0  GLOBAL EQUITIES 11.3 Ideal Fundamental Dividend Fund  CASH AND EQUIVALENTS 3.6 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 1.8 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and income. They are comfortable with the risks of investing in equities.

28 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FUNDAMENTAL DIVIDEND FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 29 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FUNDAMENTAL INCOME CLASS

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $39,443,732 Date Fund Created: December 2012 Total Units Outstanding: 3,259,743 Portfolio Turnover Rate: 13.35%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 2.66 10.4473 1,326,359

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? The Segregated Fund invests primarily in fixed income and equity securities. The This section tells you how the Fund has performed over the past 2 years. fixed income and equities are Canadian and foreign. The Fund currently invests Returns are after the MER has been deducted. most of its assets in units of the Manulife Fundamental Income Class mutual It’s important to note that this doesn’t tell you how the fund will perform in the fund. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Merit Trust 01/02/2019 DN 6.73 Average return BCE Inc. 3.79 A person who invested $1,000 in the Fund on May 17, 2016 has $1,048.30 on Gov. of Canada, 3.5%, 12/1/2045 2.62 December 31, 2018. This works out to an average of 1.81% per year. Bank of Nova Scotia 2.46 Marsh & McLennan Companies, Inc. 2.32 Year-by-year returns Any values close to zero may not be visible. Microsoft Corp. 2.29 This chart shows how the Fund has performed in each of the past 2 years for a Accenture PLC 2.16 contractholder. In the last 2 years the fund was up in value 1 year and down in Baxter International Inc. 2.10 value 1 year. Medtronic plc 2.04 Royal Dutch Shell plc Sponsored ADR 2.04 % 6 Total 28.55 4 2 Total investments: 1508 0 -2 Investment Segmentation % Assets -4  -6 CANADIAN EQUITIES 24.9 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 24.6  CANADIAN BONDS & DEBENTURES 20.5 Ideal Fundamental Income Class  GLOBAL EQUITIES 15.2 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  CASH AND EQUIVALENTS 12.3 depend on the guarantee option you choose.  REITS 1.2  U.S. BONDS 1.2  GLOBAL BONDS 0.2

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking a regular flow of monthly income. They are comfortable with the risks of investing in equities.

30 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FUNDAMENTAL INCOME CLASS HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 31 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FUNDAMENTAL INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $416,615,760 Date Fund Created: August 2015 Total Units Outstanding: 39,308,594 Portfolio Turnover Rate: 11.67%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.03 10.3420 6,708,182 Ideal 100/100 Series 1,000 3.35 10.2665 3,366,495

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Fundamental Income mutual This section tells you how the Fund has performed over the past 2 years for a fund. The underlying fund invests primarily in a mix of Canadian and/or foreign contractholder who has chosen Ideal 75/100 Series. Returns are after the MER equities and fixed income. has been deducted.

Top 10 investments (of the underlying fund) % It’s important to note that this doesn’t tell you how the fund will perform in the Gov. of Canada Treasury Bill, 2/7/2019 3.57 future. Also, your actual return will depend on the guarantee option and sales Bank of Nova Scotia 2.71 charge option you choose and on your personal tax situation. BCE Inc. 2.60 Average return Royal Bank of Canada 2.55 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Canadian Treasury Bill 01/10/2019 Tbill 2.31 on May 17, 2016 has $1,035.30 on December 31, 2018. This works out to an Toronto Dominion Bank 2.20 average of 1.33% per year. Suncor Energy Inc. 1.94 Canadian Natural Resources Ltd. 1.89 Year-by-year returns Any values close to zero may not be visible. Canadian Imperial Bank of Commerce 1.82 This chart shows how the Fund has performed in each of the past 2 years for a Loblaw Companies Ltd. 1.78 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 23.38 was up in value 1 year and down in value 1 year.

Total investments: 383 % 4

Investment Segmentation % Assets 0

 CANADIAN EQUITIES 32.2 -2  CANADIAN BONDS & DEBENTURES 26.7 -4  U.S. EQUITIES 14.0 -6  U.S. BONDS 9.6 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL EQUITIES 8.4  CASH AND EQUIVALENTS 8.4 Ideal Fundamental Income Fund  GLOBAL BONDS 0.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.7 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity market.

32 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FUNDAMENTAL INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 33 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL GLOBAL BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $470,915,662 Date Fund Created: October 2013 Total Units Outstanding: 35,141,405 Portfolio Turnover Rate: 0.76%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.45 11.2486 4,295,742 Ideal 100/100 Series 1,000 3.66 11.1889 3,380,269

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Global Balanced mutual fund. The This section tells you how the Fund has performed over the past 2 years for a underlying fund invests in foreign equity and fixed income investments. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER has been deducted. Top 10 investments (of the underlying fund) % Alphabet Inc. 2.52 It’s important to note that this doesn’t tell you how the fund will perform in the JPMorgan Chase & Co. 2.44 future. Also, your actual return will depend on the guarantee option and sales Aon PLC 2.23 charge option you choose and on your personal tax situation. Gov. of Canada Treasury Bill, 2/7/2019 2.13 Average return Wolters Kluwer N.V. Depositary Receipt 2.11 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series S&P Global Inc. 2.10 on May 17, 2016 has $1,128.00 on December 31, 2018. This works out to an Becton, Dickinson And Company 2.06 average of 4.70% per year. L'Air Liquide S.A. 1.96 Visa Inc. 1.86 Year-by-year returns Any values close to zero may not be visible. Gov. of Canada Treasury Bill, 3/21/2019 1.74 This chart shows how the Fund has performed in each of the past 2 years for a Total 21.16 contractholder who chose the Ideal 75/100 Series. In the past 2 years the Fund was up in value. Total investments: 507

% 10

Investment Segmentation % Assets 8  GLOBAL EQUITIES 28.4 6

 U.S. EQUITIES 25.7 4  CANADIAN BONDS & DEBENTURES 16.7 2  GLOBAL BONDS 10.1 0  CASH AND EQUIVALENTS 9.8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. BONDS 6.0  CANADIAN EQUITIES 4.2 Ideal Global Balanced Fund For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.

34 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL GLOBAL BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 35 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL GLOBAL DIVIDEND GROWTH FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $257,337,980 Date Fund Created: January 2005 Total Units Outstanding: 15,467,495 Portfolio Turnover Rate: 15.22%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 3.04 10.2266 546,494

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? The Segregated Fund currently invests most of its assets in units of the Manulife This section tells you how the Fund has performed over the past 2 years. Global Dividend Growth mutual fund. The underlying fund invests primarily in a Returns are after the MER has been deducted. mix of global equities. The underlying fund invests either directly or through It’s important to note that this doesn’t tell you how the fund will perform in the one or more underlying funds. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Nestlé S.A. 3.93 Average return Johnson & Johnson 3.91 A person who invested $1,000 in the Fund on May 17, 2016 has $1,031.00 on Microsoft Corp. 3.82 December 31, 2018. This works out to an average of 1.17% per year. Amcor Ltd. 3.68 Apple Inc. 3.63 Year-by-year returns Any values close to zero may not be visible. Wells Fargo & Co. 3.43 This chart shows how the Fund has performed in each of the past 2 years for a Heineken N.V. 3.16 contractholder. In the last 2 years the fund was up in value 1 year and down in Chubb Limited 2.91 value 1 year. Koninklijke Philips N.V. 2.82 Compagnie Générale des Établissements Michelin 2.80 % 10

Total 34.12 5 Total investments: 49 0

-5 Investment Segmentation % Assets  -10 GLOBAL EQUITIES 54.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 42.9  CASH AND EQUIVALENTS 3.1 Ideal Global Dividend Growth Fund

For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth. The Fund may also be right for people seeking some potential income. They are comfortable with the risks of investing in global equities.

36 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL GLOBAL DIVIDEND GROWTH FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 37 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL GLOBAL STRATEGIC BALANCED YIELD FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: November 2018 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $92,609,619 Date Fund Created: September 2014 Total Units Outstanding: 8,447,482 Portfolio Turnover Rate: 11.66%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.39 9.6008 777,732 Ideal 100/100 Series 1,000 3.67 9.5947 252,938

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Global Strategic Balanced Yield This section tells you how the Fund has performed over the past years for a mutual fund. The underlying fund invests primarily in foreign equities and fixed contractholder who has chosen Ideal 75/100 Series. Returns are after the MER income investments. has been deducted.

Top 10 investments (of the underlying fund) % It’s important to note that this doesn’t tell you how the fund will perform in the Nestlé S.A. 2.38 future. Also, your actual return will depend on the guarantee option and sales Johnson & Johnson 2.24 charge option you choose and on your personal tax situation. Apple Inc. 2.18 Average return Microsoft Corp. 2.13 The fund is not old enough to show performance history. Amcor Ltd. 2.09 Wells Fargo & Co. 1.93 Year-by-year returns Any values close to zero may not be visible. Heineken N.V. 1.79 The fund is not old enough to show performance history. Chubb Limited 1.68 Verizon Communications Inc. 1.63 Compagnie Générale des Établissements Michelin 1.62 Total 19.66 Total investments: 321

Investment Segmentation % Assets  GLOBAL EQUITIES 31.4  GLOBAL BONDS 25.2  U.S. EQUITIES 25.0  U.S. BONDS 14.4  CASH AND EQUIVALENTS 4.7  CANADIAN BONDS & DEBENTURES 0.7

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.

38 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL GLOBAL STRATEGIC BALANCED YIELD FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 39 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL GROWTH PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $258,820,974 Date Fund Created: January 2003 Total Units Outstanding: 17,776,792 Portfolio Turnover Rate: 45.54%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.11 10.6958 1,827,723 Ideal 100/100 Series 1,000 3.43 10.6018 1,553,390

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife World Investment Fund 12.58 future. Also, your actual return will depend on the guarantee option and sales Manulife Global Dividend Fund 8.07 charge option you choose and on your personal tax situation. MAM Emerging Market Equity Pooled Fund 7.08 Average return Manulife U.S. Unconstrained Bond Fund 6.97 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Canadian Unconstrained Bond Fund 6.51 on May 17, 2016 has $1,073.10 on December 31, 2018. This works out to an Manulife U.S. All Cap Equity Fund 6.47 average of 2.73% per year. Manulife Dividend Income Fund 5.61 Manulife Global Franchise Fund 5.52 Year-by-year returns Any values close to zero may not be visible. Manulife Emerging Markets Fund 5.15 This chart shows how the Fund has performed in each of the past 2 years for a Manulife International Value Equity Fund 5.01 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 68.95 was up in value 1 year and down in value 1 year.

Total investments: 19 % 10

5 Investment Segmentation % Assets 0  GLOBAL EQUITIES 39.1  U.S. EQUITIES 20.7 -5  CANADIAN EQUITIES 12.8 -10  U.S. BONDS 9.5 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CANADIAN BONDS & DEBENTURES 8.4  CASH AND EQUIVALENTS 7.8 Ideal Growth Portfolio  GLOBAL BONDS 2.0 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.8 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in global equities.

40 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL GROWTH PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 41 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL MODERATE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $436,438,237 Date Fund Created: January 2003 Total Units Outstanding: 32,796,629 Portfolio Turnover Rate: 56.09%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 2.96 10.4611 3,426,348 Ideal 100/100 Series 1,000 3.29 10.3843 1,944,987

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of underlying funds. The Fund invests a This section tells you how the Fund has performed over the past 2 years for a larger portion of its assets in Canadian and foreign fixed income. The Fund also contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests a smaller portion of its assets in Canadian and foreign equities. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife Bond Fund 21.11 future. Also, your actual return will depend on the guarantee option and sales Manulife Canadian Unconstrained Bond Fund 13.77 charge option you choose and on your personal tax situation. Manulife World Investment Fund 8.68 Average return MAM Emerging Market Equity Pooled Fund 5.69 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Money Market Fund 5.01 on May 17, 2016 has $1,048.90 on December 31, 2018. This works out to an Manulife Global Dividend Fund 4.98 average of 1.84% per year. Manulife U.S. Unconstrained Bond Fund 4.53 Manulife Global Franchise Fund 4.17 Year-by-year returns Any values close to zero may not be visible. Manulife International Value Equity Fund 3.73 This chart shows how the Fund has performed in each of the past 2 years for a Manulife Strategic Investment Grade Global Bond Fund 3.66 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 75.34 was up in value 1 year and down in value 1 year.

Total investments: 19 % 8 6 4 Investment Segmentation % Assets 2  CANADIAN BONDS & DEBENTURES 28.4 0  GLOBAL EQUITIES 26.8 -2  U.S. EQUITIES 13.9 -4 -6  U.S. BONDS 11.1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CANADIAN EQUITIES 9.0  CASH AND EQUIVALENTS 8.9 Ideal Moderate Portfolio  GLOBAL BONDS 2.3 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.5 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some capital growth. They are comfortable with the risks of investing in equities.

42 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL MODERATE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 43 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL MONEY MARKET FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2018 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $89,032,174 Date Fund Created: May 2018 Total Units Outstanding: 8,878,333 Portfolio Turnover Rate: --

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 1.29 10.0336 299,718 Ideal 75/100 Series 1,000 1.46 10.0233 943,960 Ideal 100/100 Series 1,000 1.59 10.0157 984,193

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Money Market Fund. The This section tells you how the Fund has performed over the past years for a underlying fund invests in Canadian money market investments. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER has been deducted. Top 10 investments (of the underlying fund) % Canadian Treasury Bill 01/10/2019 Tbill 5.66 It’s important to note that this doesn’t tell you how the fund will perform in the Province of New Brunswick 01/17/2019 Tbill 4.15 future. Also, your actual return will depend on the guarantee option and sales Omers Finance Trust 01/17/2019 DN 3.68 charge option you choose and on your personal tax situation. The Bank of Nova Scotia (FRN), 2.355%, 6/14/2019 3.65 Average return Province of Ontario 01/09/2019 Tbill 3.39 The fund is not old enough to show performance history. Merit Trust 01/18/2019 DN 3.24 Manitoba, 2/20/2019 3.18 Year-by-year returns Any values close to zero may not be visible. National Bank of Canada 01/11/2019 BA 2.94 The fund is not old enough to show performance history. Storm King Funding Frn 03/18/2019 2.85 Prime Trust 01/10/2019 DN 2.85 Total 35.60 Total investments: 59

Investment Segmentation % Assets  CASH AND EQUIVALENTS 99.9

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person looking for liquidity.

44 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL MONEY MARKET FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

Trailing commission Manulife pays a trailing commission of up to 0.25% of the value of your investments each year for as long as you own the fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don’t pay these expenses directly. The rate depends on the sales charge option you choose.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 45 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL SELECT AGGRESSIVE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $9,813,139 Date Fund Created: January 2009 Total Units Outstanding: 738,065 Portfolio Turnover Rate: 66.19%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.61 10.4789 109,085 Ideal 100/100 Series 1,000 3.89 10.4023 129,491

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Fidelity True North® Fund 13.47 future. Also, your actual return will depend on the guarantee option and sales MAM Emerging Market Equity Pooled Fund 10.44 charge option you choose and on your personal tax situation. Manulife Global Franchise Fund 9.99 Average return Manulife U.S. Unconstrained Bond Fund 9.29 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife World Investment Fund 8.69 on May 17, 2016 has $1,049.40 on December 31, 2018. This works out to an Manulife Emerging Markets Fund 8.03 average of 1.86% per year. Templeton Global Stock Trust 6.83 Invesco International Growth Fund 6.75 Year-by-year returns Any values close to zero may not be visible. Manulife Dividend Income Fund 4.61 This chart shows how the Fund has performed in each of the past 2 years for a Manulife U.S. All Cap Equity Fund 4.27 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 82.36 was up in value 1 year and down in value 1 year.

Total investments: 16 % 10

5 Investment Segmentation % Assets 0  GLOBAL EQUITIES 45.0  CANADIAN EQUITIES 18.6 -5  U.S. EQUITIES 16.1 -10  CASH AND EQUIVALENTS 8.7 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. BONDS 8.6  CANADIAN BONDS & DEBENTURES 2.0 Ideal Select Aggressive Portfolio  GLOBAL BONDS 0.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.9 depend on the guarantee option you choose.

46 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL SELECT AGGRESSIVE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 47 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL SELECT CONSERVATIVE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $46,885,401 Date Fund Created: January 2009 Total Units Outstanding: 4,057,643 Portfolio Turnover Rate: 64.77%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.04 10.1607 797,169 Ideal 100/100 Series 1,000 3.32 10.0942 617,200

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of underlying funds. The Fund invests a This section tells you how the Fund has performed over the past 2 years for a larger portion of its assets in Canadian and foreign fixed income. The Fund also contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests a smaller portion of its assets in Canadian and foreign equities. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife Bond Fund 32.44 future. Also, your actual return will depend on the guarantee option and sales Manulife Canadian Unconstrained Bond Fund 13.82 charge option you choose and on your personal tax situation. Fidelity True North® Fund 8.02 Average return Manulife World Investment Fund 7.14 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Money Market Fund 6.48 on May 17, 2016 has $1,016.50 on December 31, 2018. This works out to an Invesco International Growth Fund 4.92 average of 0.63% per year. MAM Emerging Market Equity Pooled Fund 4.64 Manulife Strategic Investment Grade Global Bond Fund 4.18 Year-by-year returns Any values close to zero may not be visible. Manulife U.S. All Cap Equity Fund 4.13 This chart shows how the Fund has performed in each of the past 2 years for a Templeton Global Stock Trust 3.69 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 89.46 was up in value 1 year and down in value 1 year.

Total investments: 15 % 6 4 Investment Segmentation % Assets 2 0  CANADIAN BONDS & DEBENTURES 38.6 -2  GLOBAL EQUITIES 22.3 -4  U.S. BONDS 11.3 -6  CASH AND EQUIVALENTS 11.1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 8.0  CANADIAN EQUITIES 7.1 Ideal Select Conservative Portfolio  GLOBAL BONDS 2.5 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.2 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential to maintain their capital. They are also seeking some potential income. They are comfortable with the risks of investing in equities.

48 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL SELECT CONSERVATIVE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 49 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL SELECT DIVIDEND GROWTH & INCOME PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $60,482,973 Date Fund Created: January 2009 Total Units Outstanding: 4,570,931 Portfolio Turnover Rate: 58.75%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.51 10.3651 1,164,397 Ideal 100/100 Series 1,000 3.82 10.2808 454,121

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Fidelity True North® Fund 13.60 future. Also, your actual return will depend on the guarantee option and sales MAM Emerging Market Equity Pooled Fund 9.43 charge option you choose and on your personal tax situation. Manulife U.S. Unconstrained Bond Fund 8.47 Average return Manulife World Investment Fund 7.64 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Emerging Markets Fund 6.18 on May 17, 2016 has $1,038.60 on December 31, 2018. This works out to an Manulife Fundamental Dividend Fund 6.10 average of 1.45% per year. Manulife Global Franchise Fund 5.66 Manulife Dividend Income Fund 5.55 Year-by-year returns Any values close to zero may not be visible. Manulife Global Dividend Growth Fund 5.49 This chart shows how the Fund has performed in each of the past 2 years for a Templeton Global Stock Trust 5.48 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 73.58 was up in value 1 year and down in value 1 year.

Total investments: 18 % 8 6 4 Investment Segmentation % Assets 2 0  GLOBAL EQUITIES 39.7 -2  CANADIAN EQUITIES 17.7 -4  U.S. EQUITIES 16.0 -6 -8  U.S. BONDS 10.5 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 9.1  CANADIAN BONDS & DEBENTURES 5.0 Ideal Select Dividend Growth & Income Portfolio  GLOBAL BONDS 1.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.7 depend on the guarantee option you choose.

50 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL SELECT DIVIDEND GROWTH & INCOME PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 51 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL SELECT GROWTH PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $54,400,456 Date Fund Created: January 2009 Total Units Outstanding: 4,093,473 Portfolio Turnover Rate: 59.65%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.34 10.4086 393,341 Ideal 100/100 Series 1,000 3.66 10.3176 569,445

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Fidelity True North® Fund 14.61 future. Also, your actual return will depend on the guarantee option and sales Manulife World Investment Fund 10.99 charge option you choose and on your personal tax situation. MAM Emerging Market Equity Pooled Fund 8.32 Average return Manulife U.S. Unconstrained Bond Fund 7.96 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Manulife Canadian Unconstrained Bond Fund 7.60 on May 17, 2016 has $1,042.10 on December 31, 2018. This works out to an Templeton Global Stock Trust 6.91 average of 1.58% per year. Manulife U.S. All Cap Equity Fund 6.19 Invesco International Growth Fund 5.47 Year-by-year returns Any values close to zero may not be visible. Manulife Global Franchise Fund 5.22 This chart shows how the Fund has performed in each of the past 2 years for a Manulife Emerging Markets Fund 4.69 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 77.96 was up in value 1 year and down in value 1 year.

Total investments: 17 % 10 8 6 Investment Segmentation % Assets 4 2  GLOBAL EQUITIES 38.2 0 -2  CANADIAN EQUITIES 15.7 -4  U.S. EQUITIES 14.1 -6 -8  U.S. BONDS 10.9 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 9.9  CANADIAN BONDS & DEBENTURES 9.6 Ideal Select Growth Portfolio  GLOBAL BONDS 2.3 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.6 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in global equities.

52 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL SELECT GROWTH PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 53 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL SELECT MODERATE PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Fund Manager: Manulife Total Fund Value: $59,428,325 Date Fund Created: January 2009 Total Units Outstanding: 4,806,528 Portfolio Turnover Rate: 61.18%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.15 10.2125 792,316 Ideal 100/100 Series 1,000 3.41 10.1379 418,633

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in a mix of underlying funds. The Fund invests a This section tells you how the Fund has performed over the past 2 years for a larger portion of its assets in Canadian and foreign fixed income. The Fund also contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests a smaller portion of its assets in Canadian and foreign equities. has been deducted.

Top 10 investments % It’s important to note that this doesn’t tell you how the fund will perform in the Manulife Bond Fund 22.02 future. Also, your actual return will depend on the guarantee option and sales Manulife Canadian Unconstrained Bond Fund 14.41 charge option you choose and on your personal tax situation. Fidelity True North® Fund 10.63 Average return Manulife World Investment Fund 8.39 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series MAM Emerging Market Equity Pooled Fund 5.78 on May 17, 2016 has $1,022.00 on December 31, 2018. This works out to an Manulife Money Market Fund 5.25 average of 0.83% per year. Manulife U.S. Unconstrained Bond Fund 4.71 Templeton Global Stock Trust 4.70 Year-by-year returns Any values close to zero may not be visible. Manulife Strategic Investment Grade Global Bond Fund 3.85 This chart shows how the Fund has performed in each of the past 2 years for a Manulife Global Franchise Fund 3.62 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Total 83.35 was up in value 1 year and down in value 1 year.

Total investments: 17 % 6 4 Investment Segmentation % Assets 2 0  CANADIAN BONDS & DEBENTURES 29.6 -2  GLOBAL EQUITIES 26.0 -4  U.S. BONDS 11.6 -6  CANADIAN EQUITIES 11.2 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 10.0  U.S. EQUITIES 9.2 Ideal Select Moderate Portfolio  GLOBAL BONDS 2.4 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.4 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some capital growth. They are comfortable with the risks of investing in equities.

54 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL SELECT MODERATE PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 55 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL STRATEGIC INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: October 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $677,474,625 Date Fund Created: April 2006 Total Units Outstanding: 43,539,824 Portfolio Turnover Rate: 5.80%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 2.20 9.8344 1,084,412

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife Strategic Income mutual fund. This section tells you how the Fund has performed over the past 2 years. The underlying fund invests primarily in foreign fixed income investments. Returns are after the MER has been deducted.

Top 10 investments (of the underlying fund) % It’s important to note that this doesn’t tell you how the fund will perform in the Brazil, 10%, 1/1/2023 1.38 future. Also, your actual return will depend on the guarantee option and sales Mexico City Airport Trust, 5.5%, 7/31/2047 144A 1.03 charge option you choose and on your personal tax situation. Ireland, 3.9%, 3/20/2023 0.93 Average return Ireland, 3.4%, 3/18/2024 0.90 A person who invested $1,000 in the Fund on October 14, 2016 has $983.40 Gov. of Canada, 1.25%, 11/1/2019 0.89 on December 31, 2018. This works out to an average of -0.75% per year. Wachovia Capital Trust III (FRN), 5.8%, 12/31/2049 0.85 Brazil, 10%, 1/1/2021 0.84 Year-by-year returns Any values close to zero may not be visible. Singapore, 3.25%, 9/1/2020 0.64 This chart shows how the Fund has performed in each of the past 2 years for a Swiss Insured Brazil Power Finance S.a r.l., 9.85%, 7/16/2032 144A 0.63 contractholder. In the last 2 years the fund was up in value 1 year and down in Mexico City Airport Trust, 3.875%, 10/31/2028 144A 0.59 value 1 year. Total 8.68 % 4 Total investments: 515 2

Investment Segmentation % Assets 0

 U.S. BONDS 55.8 -2  GLOBAL BONDS 33.2 -4  CASH AND EQUIVALENTS 6.6 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CANADIAN BONDS & DEBENTURES 4.2  U.S. EQUITIES 4.2 Ideal Strategic Income Fund For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking interest income with an emphasis on capital preservation.

56 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL STRATEGIC INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 57 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL STRATEGIC INVESTMENT GRADE GLOBAL BOND FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $45,802,367 Date Fund Created: October 2000 Total Units Outstanding: 4,260,529 Portfolio Turnover Rate: 25.99%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 2.50 9.8484 1,242,931 Ideal 100/100 Series 1,000 2.74 9.7927 430,454

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests primarily in a mix of Canadian and/or foreign This section tells you how the Fund has performed over the past 2 years for a fixed income. The Fund invests in Canadian and/or foreign currency. The Fund contractholder who has chosen Ideal 75/100 Series. Returns are after the MER invests either directly or through one or more underlying funds. The Fund has been deducted. currently invests most of its assets in units of the Manulife Strategic Investment It’s important to note that this doesn’t tell you how the fund will perform in the Grade Global Bond mutual fund. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Norway, 3.75%, 5/25/2021 1.44 Average return Singapore, 3.25%, 9/1/2020 1.36 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Denmark, 1.75%, 11/15/2025 1.19 on May 17, 2016 has $985.40 on December 31, 2018. This works out to an Mexico City Airport Trust, 5.5%, 7/31/2047 144A 1.10 average of -0.56% per year. Singapore, 2.5%, 6/1/2019 1.09 Philippines, 3.5%, 3/20/2021 1.06 Year-by-year returns Any values close to zero may not be visible. Gov. of Canada, 1.25%, 11/1/2019 1.04 This chart shows how the Fund has performed in each of the past 2 years for a Ireland, 5%, 10/18/2020 0.99 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Norway, 4.5%, 5/22/2019 0.90 was up in value 1 year and down in value 1 year. Wachovia Capital Trust III (FRN), 5.8%, 12/31/2049 0.88 % Total 11.06 1.0 0.5 Total investments: 306 0.0 -0.5 Investment Segmentation % Assets -1.0  U.S. BONDS 42.6 -1.5 -2.0  GLOBAL BONDS 36.8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 12.4  CANADIAN BONDS & DEBENTURES 8.1 Ideal Strategic Investment Grade Global Bond Fund  U.S. EQUITIES 3.3 For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income. They are also seeking fewer ups and downs in the worldwide market.

58 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL STRATEGIC INVESTMENT GRADE GLOBAL BOND FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 59 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL U.S. DIVIDEND INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $477,699,866 Date Fund Created: October 2007 Total Units Outstanding: 25,706,556 Portfolio Turnover Rate: 15.30%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 2.90 12.0930 1,425,997

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? The Segregated Fund currently invests most of its assets in units of the Manulife This section tells you how the Fund has performed over the past 2 years. U.S. Dividend Income mutual fund. The underlying fund invests in a mix of U.S. Returns are after the MER has been deducted. equities. The underlying fund invests either directly or through one or more It’s important to note that this doesn’t tell you how the fund will perform in the underlying funds. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. United States Treasury Bill 01/02/2019 8.82 Average return Federal Home Loan Bank 01/02/2019 DN 4.62 A person who invested $1,000 in the Fund on May 17, 2016 has $1,220.80 on U.S Dept. of the Treasury Treasury Bill, 4/4/2019 4.38 December 31, 2018. This works out to an average of 7.90% per year. Roper Technologies, Inc. 4.16 Visa Inc. 4.13 Year-by-year returns Any values close to zero may not be visible. Waste Connections, Inc. 4.10 This chart shows how the Fund has performed in each of the past 2 years for a Thermo Fisher Scientific Inc. 4.07 contractholder. In the past 2 years the Fund was up in value. Amphenol Corporation 3.54 Becton Dickinson & Co., 6.125% 3.04 % 14 Danaher Corporation 2.86 12 10 Total 43.74 8 Total investments: 79 6 4 2 Investment Segmentation % Assets 0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 81.5  CASH AND EQUIVALENTS 17.3 Ideal U.S. Dividend Income Fund  GLOBAL EQUITIES 2.2 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  REITS 0.9 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in U.S. equities.

60 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL U.S. DIVIDEND INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 61 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL U.S. MONTHLY HIGH INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Manulife Asset Management Limited Total Fund Value: $1,187,463,978 Date Fund Created: April 2014 Total Units Outstanding: 101,722,782 Portfolio Turnover Rate: 4.93%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.31 10.5936 5,158,249 Ideal 100/100 Series 1,000 3.65 10.5001 3,165,525

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Manulife U.S. Monthly High Income mutual This section tells you how the Fund has performed over the past 2 years for a fund. The underlying fund invests in U.S. equity and fixed income investments. contractholder who has chosen Ideal 75/100 Series. Returns are after the MER has been deducted. Top 10 investments (of the underlying fund) % Roper Technologies, Inc. 4.08 It’s important to note that this doesn’t tell you how the fund will perform in the Thermo Fisher Scientific Inc. 4.02 future. Also, your actual return will depend on the guarantee option and sales Waste Connections, Inc. 4.01 charge option you choose and on your personal tax situation. Visa Inc. 3.72 Average return Gov. of Canada Treasury Bill, 2/7/2019 3.33 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Amphenol Corporation 3.07 on May 17, 2016 has $1,066.40 on December 31, 2018. This works out to an Becton Dickinson & Co., 6.125% 2.91 average of 2.48% per year. TransUnion 2.63 DTE Energy Company, 6.5% 2.44 Year-by-year returns Any values close to zero may not be visible. Danaher Corporation 2.43 This chart shows how the Fund has performed in each of the past 2 years for a Total 32.64 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund was up in value 1 year and down in value 1 year. Total investments: 785

% 10 8 Investment Segmentation % Assets 6  U.S. EQUITIES 62.5 4 2  U.S. BONDS 29.1 0  CASH AND EQUIVALENTS 5.0 -2  GLOBAL BONDS 3.2 -4 -6  GLOBAL EQUITIES 2.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  REITS 0.8  CANADIAN BONDS & DEBENTURES 0.5 Ideal U.S. Monthly High Income Fund For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for a person seeking a balance of growth and interest income and who is comfortable with the ups and downs of the equity and bond markets.

62 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL U.S. MONTHLY HIGH INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 63 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CI BLACK CREEK GLOBAL BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: CI Investments Inc. Total Fund Value: $24,454,892 Date Fund Created: November 2014 Total Units Outstanding: 2,268,902 Portfolio Turnover Rate: 18.62%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.61 10.4154 523,134 Ideal 100/100 Series 1,000 3.92 10.3429 641,096

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the CI Black This section tells you how the Fund has performed over the past 2 years for a Creek Global Balanced Fund. The underlying fund invests primarily in a contractholder who has chosen Ideal 75/100 Series. Returns are after the MER balanced portfolio of equity and fixed income securities from governments, has been deducted. agencies and corporations around the world. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales U.S Dept. of the Treasury Treasury Bill, 2.5%, 5/31/2020 3.58 charge option you choose and on your personal tax situation. HeidelbergCement AG 3.42 Average return Greencore Group plc 3.38 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Nutrien Ltd. 3.19 on May 17, 2016 has $1,040.90 on December 31, 2018. This works out to an Varex Imaging Corporation 3.15 average of 1.54% per year. Ontex Group NV 3.04 U.S Dept. of the Treasury Treasury Bill, 1.875%, 8/31/2024 2.99 Year-by-year returns Any values close to zero may not be visible. U.S Dept. of the Treasury Treasury Bill, 1.75%, 9/30/2022 2.98 This chart shows how the Fund has performed in each of the past 2 years for a BAE Systems plc 2.81 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Telefonaktiebolaget LM Ericsson (publ) 2.70 was up in value 1 year and down in value 1 year. Total 31.24 % 6 Total investments: 58 4 2 0 Investment Segmentation % Assets -2 -4  GLOBAL EQUITIES 40.4 -6  U.S. BONDS 17.7 -8 -10  U.S. EQUITIES 17.7 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 13.3  CANADIAN EQUITIES 5.6 Ideal CI Black Creek Global Balanced Fund  GLOBAL BONDS 4.0 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  CANADIAN BONDS & DEBENTURES 1.5 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking reduced volatility through a diversified portfolio of global fixed income and equity securities. They are comfortable with the risks associated with investing in equities and in global markets.

64 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CI BLACK CREEK GLOBAL BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 65 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CI CAMBRIDGE HIGH INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: CI Investments Inc. Total Fund Value: $14,342,829 Date Fund Created: November 2014 Total Units Outstanding: 1,372,082 Portfolio Turnover Rate: 20.19%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.28 10.4094 515,967 Ideal 100/100 Series 1,000 3.57 10.3480 158,180

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the CI This section tells you how the Fund has performed over the past 2 years for a Cambridge High Income Fund. The underlying fund invests primarily in fixed contractholder who has chosen Ideal 75/100 Series. Returns are after the MER income, high yielding equity securities and other income producing securities has been deducted. from issuers around the world. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales CI Cambridge Bond Fund 37.89 charge option you choose and on your personal tax situation. CI Cambridge Global Dividend Fund 32.79 Average return CI Cambridge Canadian Short-Term Bond Pool 15.33 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series CI Canadian Dividend Fund 10.09 on May 17, 2016 has $1,042.10 on December 31, 2018. This works out to an CI Cambridge Canadian Long Term Bond Pool 3.10 average of 1.58% per year. Total 99.20 Year-by-year returns Any values close to zero may not be visible. Total investments: 5 This chart shows how the Fund has performed in each of the past 2 years for a contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Investment Segmentation % Assets was up in value 1 year and down in value 1 year.  CANADIAN BONDS & DEBENTURES 42.9 % 4  U.S. EQUITIES 19.7  GLOBAL EQUITIES 10.9 2  CANADIAN EQUITIES 10.3 0  CASH AND EQUIVALENTS 7.8

 U.S. BONDS 3.2 -2  MUTUAL FUNDS 3.1 -4  GLOBAL BONDS 2.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Ideal CI Cambridge High Income Fund

For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking income over the medium term. They are comfortable with the risks associated with investing in equities and in global markets.

66 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CI CAMBRIDGE HIGH INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 67 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL CI SIGNATURE CANADIAN BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: CI Investments Inc. Total Fund Value: $11,465,500 Date Fund Created: November 2014 Total Units Outstanding: 1,100,331 Portfolio Turnover Rate: 15.62%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.46 10.5274 465,478 Ideal 100/100 Series 1,000 3.79 10.4610 359,835

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the CI This section tells you how the Fund has performed over the past 2 years for a Signature Canadian Balanced Fund. The underlying fund invests primarily in a contractholder who has chosen Ideal 75/100 Series. Returns are after the MER mix of Canadian equity and equity-related securities and fixed-income has been deducted. securities. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Gov. of Canada, 1.5%, 6/1/2026 9.90 charge option you choose and on your personal tax situation. Bank of Nova Scotia 3.86 Average return Manulife Financial Corp. 3.73 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Canadian Natural Resources Ltd. 2.29 on May 17, 2016 has $1,051.60 on December 31, 2018. This works out to an Sony Corporation 2.02 average of 1.94% per year. Ontario (Province of), 2.9%, 6/2/2028 1.89 Suncor Energy Inc. 1.82 Year-by-year returns Any values close to zero may not be visible. Canadian Imperial Bank of Commerce 1.50 This chart shows how the Fund has performed in each of the past 2 years for a Samsung Electronics Co., Ltd. 1.41 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Ontario (Province of), 2.6%, 6/2/2025 1.41 was up in value 1 year and down in value 1 year. Total 29.82 % 10 Total investments: 342 5

Investment Segmentation % Assets 0

 CANADIAN BONDS & DEBENTURES 35.3 -5  CANADIAN EQUITIES 31.6 -10  GLOBAL EQUITIES 13.7 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  U.S. EQUITIES 13.4  CASH AND EQUIVALENTS 5.1 Ideal CI Signature Canadian Balanced Fund  U.S. BONDS 0.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 0.4 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking capital growth and income over the medium term. They are comfortable with the risks associated with investing in equities.

68 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL CI SIGNATURE CANADIAN BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 69 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FIDELITY CANADIAN BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Fidelity Investments Canada ULC Total Fund Value: $133,711,891 Date Fund Created: January 2009 Total Units Outstanding: 9,772,028 Portfolio Turnover Rate: 5.97%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.37 10.2327 987,828 Ideal 100/100 Series 1,000 3.78 10.1394 610,999

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests either directly or through one or more underlying This section tells you how the Fund has performed over the past 2 years for a funds. The Fund currently invests most of its assets in units of the Fidelity contractholder who has chosen Ideal 75/100 Series. Returns are after the MER Canadian Balanced Fund. The underlying fund invests primarily in a mix of fixed has been deducted. income, equities and money market. The underlying fund invests primarily in It’s important to note that this doesn’t tell you how the fund will perform in the Canada. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Ontario (Province of) 5.14 Average return Gov. of Canada 3.82 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Toronto Dominion Bank 3.59 on May 17, 2016 has $1,022.50 on December 31, 2018. This works out to an Royal Bank of Canada 3.45 average of 0.85% per year. Fidelity Canadian Money Market Investment Trust 3.16 Canadian Pacific Railway Ltd. 2.88 Year-by-year returns Any values close to zero may not be visible. Suncor Energy 2.81 This chart shows how the Fund has performed in each of the past 2 years for a Canada Housing Trust No. 1 2.78 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Enbridge 2.45 was up in value 1 year and down in value 1 year. Province of Quebec MTN 2.42 % Total 32.49 4 Total investments: 920 2 0

-2 Investment Segmentation % Assets -4  CANADIAN EQUITIES 41.2 -6  CANADIAN BONDS & DEBENTURES 41.2 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL EQUITIES 5.8  U.S. BONDS 4.9 Ideal Fidelity Canadian Balanced Fund  CASH AND EQUIVALENTS 3.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 3.1 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and income. They are comfortable with the risks of investing in equities.

70 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FIDELITY CANADIAN BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 71 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FIDELITY GLOBAL MONTHLY INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Fidelity Investments Canada ULC Total Fund Value: $50,105,780 Date Fund Created: November 2014 Total Units Outstanding: 4,248,174 Portfolio Turnover Rate: 12.01%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.52 10.7483 588,552 Ideal 100/100 Series 1,000 3.87 10.6476 446,109

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the Fidelity This section tells you how the Fund has performed over the past 2 years for a Global Monthly Income Fund. The underlying fund invests primarily in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER equity and fixed income securities from issuers around the world, either directly has been deducted. or through one or more underlying funds. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Fidelity Global Dividend Investment Trust 35.68 charge option you choose and on your personal tax situation. Fidelity Global Bond Investment Trust 29.12 Average return Fidelity Global High Yield Investment Trust 10.37 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Fidelity Global Real Estate Investment Trust 6.35 on May 17, 2016 has $1,077.10 on December 31, 2018. This works out to an Fidelity Emerging Markets Debt Investment Trust 5.04 average of 2.87% per year. Fidelity Convertible Securities Investment Trust 4.80 Fidelity High Income Commercial Real Estate Investment Trust 2.43 Year-by-year returns Any values close to zero may not be visible. iShares Tips Bond ETF 1.88 This chart shows how the Fund has performed in each of the past 2 years for a Fidelity Global Intrinsic Value Investment Trust 1.49 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Fidelity Floating Rate High Income Investment Trust 1.05 was up in value 1 year and down in value 1 year. Total 98.20 % 6 Total investments: 2624 4

Investment Segmentation % Assets 2

 GLOBAL EQUITIES 42.2 0  GLOBAL BONDS 34.2 -2  U.S. BONDS 10.7 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CANADIAN BONDS & DEBENTURES 6.1  CASH AND EQUIVALENTS 3.9 Ideal Fidelity Global Monthly Income Fund  CANADIAN EQUITIES 1.7 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  OTHER 1.4 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? The Fund may be right for people seeking potential capital gains and income over the long-term. They are comfortable with the risks associated with investing in equities and in global markets.

72 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FIDELITY GLOBAL MONTHLY INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 73 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FIDELITY MONTHLY INCOME FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Fidelity Investments Canada ULC Total Fund Value: $211,848,964 Date Fund Created: May 2011 Total Units Outstanding: 17,625,764 Portfolio Turnover Rate: 4.23%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.42 10.0232 1,842,172 Ideal 100/100 Series 1,000 3.80 9.9409 1,170,215

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the Fidelity This section tells you how the Fund has performed over the past 2 years for a Income Allocation Fund. The underlying fund invests mostly in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER Canadian equities and bonds. The underlying fund also invests in US bonds. has been deducted. The underlying fund invests either directly or through one or more underlying It’s important to note that this doesn’t tell you how the fund will perform in the funds. future. Also, your actual return will depend on the guarantee option and sales Top 10 investments (of the underlying fund) % charge option you choose and on your personal tax situation. Fidelity Canadian Bond Fund 25.87 Average return Fidelity Dividend Plus Fund 12.61 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Fidelity American High Yield Fund 10.19 on May 17, 2016 has $1,003.00 on December 31, 2018. This works out to an Fidelity Canadian Money Market Investment Trust 5.52 average of 0.11% per year. Fidelity Emerging Markets Debt Investment Trust 5.20 Fidelity Convertible Securities Investment Trust 3.85 Year-by-year returns Any values close to zero may not be visible. Cash & Cash Equivalents 3.29 This chart shows how the Fund has performed in each of the past 2 years for a Chicago Mercantile Exchange (S&P 500 Futures) 2.77 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Montreal Exchange (S&P/TSX Futures) 2.77 was up in value 1 year and down in value 1 year. SPDR Gold Trust ETF 2.52 % Total 74.58 2 1 Total investments: 2346 0 -1 Investment Segmentation % Assets -2  CANADIAN BONDS & DEBENTURES 30.4 -3 -4  CANADIAN EQUITIES 28.1 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL EQUITIES 12.0  GLOBAL BONDS 11.1 Ideal Fidelity Monthly Income Fund  U.S. BONDS 9.7 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  CASH AND EQUIVALENTS 8.9 depend on the guarantee option you choose.

74 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FIDELITY MONTHLY INCOME FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 75 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FRANKLIN BISSETT CANADIAN BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Franklin Templeton Investments Corp. Total Fund Value: $5,939,858 Date Fund Created: November 2014 Total Units Outstanding: 594,269 Portfolio Turnover Rate: 31.74%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.51 10.1163 183,808 Ideal 100/100 Series 1,000 3.85 10.0269 107,614

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests primarily in a portfolio of Franklin Bissett funds to This section tells you how the Fund has performed over the past 2 years for a achieve a balance of fixed income and equity securities from Canadian and contractholder who has chosen Ideal 75/100 Series. Returns are after the MER foreign issuers. The Fund currently invests most of its assets in units of the has been deducted. Franklin Bissett Canadian Balanced Fund. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Royal Bank of Canada 1.65% 01/02/2019 TD 2.14 charge option you choose and on your personal tax situation. Canadian National Railway Co. 1.45 Average return Brookfield Asset Management Inc. 1.41 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Royal Bank of Canada 1.37 on May 17, 2016 has $1,012.80 on December 31, 2018. This works out to an Toronto Dominion Bank 1.22 average of 0.49% per year. Restaurant Brands International Inc. 1.16 Canadian Imperial Bank of Commerce 1.06 Year-by-year returns Any values close to zero may not be visible. Bank of Montreal 0.99 This chart shows how the Fund has performed in each of the past 2 years for a Canadian Pacific Railway Ltd. 0.99 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Bank of Nova Scotia 0.94 was up in value 1 year and down in value 1 year. Total 12.73 % 4 Total investments: 973 2 0 -2 Investment Segmentation % Assets -4  CANADIAN EQUITIES 37.8 -6  CANADIAN BONDS & DEBENTURES 22.2 -8 -10  U.S. EQUITIES 11.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL EQUITIES 10.6  U.S. BONDS 7.8 Ideal Franklin Bissett Canadian Balanced Fund  CASH AND EQUIVALENTS 6.3 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 3.1 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? The Fund may be right for people seeking potential capital gains and income over the medium term. They are comfortable with the risks associated with investing in equities.

76 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FRANKLIN BISSETT CANADIAN BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 77 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FRANKLIN QUOTENTIAL BALANCED GROWTH PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Franklin Templeton Investments Corp. Total Fund Value: $40,908,789 Date Fund Created: January 2009 Total Units Outstanding: 2,952,225 Portfolio Turnover Rate: 5.95%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.54 10.2732 130,127 Ideal 100/100 Series 1,000 3.82 10.1917 85,435

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the Franklin This section tells you how the Fund has performed over the past 2 years for a Quotential Balanced Growth Portfolio. The underlying fund invests in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER underlying funds. The underlying fund invests in a mix of Canadian and foreign has been deducted. income and equities. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Royal Bank of Canada 1.65% 01/02/2019 TD 3.47 charge option you choose and on your personal tax situation. Vanguard FTSE Europe ETF 2.85 Average return Financial Select Sector SPDR Fund 1.80 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Royal Bank of Canada 1.15 on May 17, 2016 has $1,028.30 on December 31, 2018. This works out to an Toronto Dominion Bank 1.02 average of 1.07% per year. Bank of Nova Scotia 0.86 Microsoft Corp. 0.84 Year-by-year returns Any values close to zero may not be visible. Canadian National Railway Co. 0.68 This chart shows how the Fund has performed in each of the past 2 years for a Brookfield Asset Management Inc. 0.65 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Quebec (Province of) (FRN), 10/13/2024 0.64 was up in value 1 year and down in value 1 year. Total 13.95 % 6 Total investments: 3700 4 2 0 Investment Segmentation % Assets -2  U.S. EQUITIES 24.7 -4  CANADIAN BONDS & DEBENTURES 23.1 -6 -8  CANADIAN EQUITIES 20.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL EQUITIES 14.0  CASH AND EQUIVALENTS 8.6 Ideal Franklin Quotential Balanced Growth Portfolio  U.S. BONDS 5.2 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 3.7 depend on the guarantee option you choose.  REITS 0.4  MUTUAL FUNDS 0.3

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and long term capital growth. They are comfortable with the risks of investing in global equities.

78 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FRANKLIN QUOTENTIAL BALANCED GROWTH PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 79 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FRANKLIN QUOTENTIAL BALANCED INCOME PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Franklin Templeton Investments Corp. Total Fund Value: $28,276,408 Date Fund Created: January 2009 Total Units Outstanding: 2,214,685 Portfolio Turnover Rate: 10.23%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.37 10.1525 130,792 Ideal 100/100 Series 1,000 3.64 10.0903 58,921

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the Franklin This section tells you how the Fund has performed over the past 2 years for a Quotential Balanced Income Portfolio. The underlying fund invests in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER underlying funds. The underlying fund invests in a mix of equity and fixed has been deducted. income. The equities are Canadian and foreign. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Royal Bank of Canada 1.65% 01/02/2019 TD 3.86 charge option you choose and on your personal tax situation. Vanguard FTSE Europe ETF 1.80 Average return Financial Select Sector SPDR Fund 1.14 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Quebec (Province of) (FRN), 10/13/2024 0.98 on May 17, 2016 has $1,016.30 on December 31, 2018. This works out to an Royal Bank of Canada 0.86 average of 0.62% per year. Manitoba (Province of), 4.6%, 3/5/2038 0.80 PSP Capital Inc., 0.03%, 11/5/2025 0.80 Year-by-year returns Any values close to zero may not be visible. Toronto Dominion Bank 0.77 This chart shows how the Fund has performed in each of the past 2 years for a Ontario (Province of), 5.6%, 6/2/2035 0.72 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund CPPIB Capital Inc., 3.00%, 6/15/2028 0.70 was up in value 1 year and down in value 1 year. Total 12.42 % 4 Total investments: 3700 2

0 Investment Segmentation % Assets -2  CANADIAN BONDS & DEBENTURES 35.3 -4  U.S. EQUITIES 15.7 -6  CANADIAN EQUITIES 15.3 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CASH AND EQUIVALENTS 10.7  GLOBAL EQUITIES 9.0 Ideal Franklin Quotential Balanced Income Portfolio  U.S. BONDS 7.9 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL BONDS 5.6 depend on the guarantee option you choose.  REITS 0.2  MUTUAL FUNDS 0.2

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and long term capital growth. They are comfortable with the risks of investing in equities.

80 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FRANKLIN QUOTENTIAL BALANCED INCOME PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 81 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL FRANKLIN QUOTENTIAL DIVERSIFIED INCOME PORTFOLIO

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Franklin Templeton Investments Corp. Total Fund Value: $40,735,105 Date Fund Created: January 2009 Total Units Outstanding: 3,299,613 Portfolio Turnover Rate: 4.22%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.23 9.9997 212,380 Ideal 100/100 Series 1,000 3.62 9.9126 56,252

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the Franklin This section tells you how the Fund has performed over the past 2 years for a Quotential Diversified Income Portfolio. The underlying fund invests in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER underlying funds. The underlying fund invests primarily in a mix of fixed income has been deducted. and equities. The fixed income is primarily Canadian. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Royal Bank of Canada 1.65% 01/02/2019 TD 4.92 charge option you choose and on your personal tax situation. Quebec (Province of) (FRN), 10/13/2024 1.18 Average return Financial Select Sector SPDR Fund 1.08 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Federal Home Loan Bank Discount Notes 01/02/2019 AGCD 1.03 on May 17, 2016 has $1,000.00 on December 31, 2018. This works out to an PSP Capital Inc., 0.03%, 11/5/2025 0.91 average of 0.00% per year. Manitoba (Province of), 4.6%, 3/5/2038 0.85 Ontario (Province of), 5.6%, 6/2/2035 0.77 Year-by-year returns Any values close to zero may not be visible. CPPIB Capital Inc., 3.00%, 6/15/2028 0.77 This chart shows how the Fund has performed in each of the past 2 years for a Ontario (Province of), 3.15%, 6/2/2022 0.73 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Canada Housing Trust No.1, 2.65%, 12/15/2023 144A 0.67 was up in value 1 year and down in value 1 year. Total 12.92 % 4 Total investments: 2492 2

Investment Segmentation % Assets 0

 CANADIAN BONDS & DEBENTURES 39.8 -2  CASH AND EQUIVALENTS 14.3 -4  U.S. BONDS 13.8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  CANADIAN EQUITIES 9.3  U.S. EQUITIES 8.1 Ideal Franklin Quotential Diversified Income Portfolio  GLOBAL BONDS 8.0 For illustration purposes only. Actual segregated fund performance could be expected to vary and will  GLOBAL EQUITIES 5.9 depend on the guarantee option you choose.  REITS 0.9

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some long term capital growth. They are comfortable with the risks of investing in equities.

82 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL FRANKLIN QUOTENTIAL DIVERSIFIED INCOME PORTFOLIO HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 83 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL TEMPLETON GLOBAL BALANCED FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Franklin Templeton Investments Corp. Total Fund Value: $10,649,410 Date Fund Created: January 2009 Total Units Outstanding: 845,865 Portfolio Turnover Rate: 27.31%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/100 Series 1,000 3.45 10.7959 222,809 Ideal 100/100 Series 1,000 3.69 10.7086 100,037

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund currently invests most of its assets in units of the This section tells you how the Fund has performed over the past 2 years for a Templeton Global Balanced Fund. The underlying fund invests in a mix of contractholder who has chosen Ideal 75/100 Series. Returns are after the MER equities and fixed income around the world. The underlying fund invests either has been deducted. directly or through one or more underlying funds. It’s important to note that this doesn’t tell you how the fund will perform in the Top 10 investments (of the underlying fund) % future. Also, your actual return will depend on the guarantee option and sales Federal Home Loan Bank Discount Notes 01/02/2019 AGCD 7.91 charge option you choose and on your personal tax situation. Korea (the Republic of) Treasury Bill, 2%, 3/10/2021 3.11 Average return Oracle Corp. 2.09 A person who invested $1,000 in the Fund and chose the Ideal 75/100 Series Royal Dutch Shell PLC 2.05 on May 17, 2016 has $1,078.20 on December 31, 2018. This works out to an BP p.l.c. 1.99 average of 2.91% per year. Sanofi 1.91 Eni S.p.A. 1.90 Year-by-year returns Any values close to zero may not be visible. Roche Holding AG 1.55 This chart shows how the Fund has performed in each of the past 2 years for a China Mobile Ltd. 1.52 contractholder who chose the Ideal 75/100 Series. In the last 2 years the fund Swire Pacific Limited 1.48 was up in value 1 year and down in value 1 year. Total 25.51 % 6 Total investments: 201 4 2 Investment Segmentation % Assets 0 -2  GLOBAL EQUITIES 47.4  CASH AND EQUIVALENTS 26.5 -4 -6  U.S. EQUITIES 13.0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  GLOBAL BONDS 12.6  U.S. BONDS 0.4 Ideal Templeton Global Balanced Fund  CANADIAN EQUITIES 0.3 For illustration purposes only. Actual segregated fund performance could be expected to vary and will depend on the guarantee option you choose. ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and income. They are comfortable with the risks of investing in global equities.

84 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL TEMPLETON GLOBAL BALANCED FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. The ongoing fees and expenses are different for each guarantee option. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 85 Fund Facts — Manulife Ideal Signature Select The Manufacturers Life Insurance Company IDEAL GLOBAL ABSOLUTE RETURN STRATEGIES FUND

Performance as at December 31, 2018

QUICK FACTS Date Fund Available: May 2016 Underlying Fund Manager: Standard Life Investments Limited Total Fund Value: $65,918,787 Date Fund Created: November 2013 Total Units Outstanding: 6,902,559 Portfolio Turnover Rate: 2.36%

GUARANTEE OPTION MINIMUM INVESTMENT ($) MER (%) NET ASSET VALUE PER UNITS OUTSTANDING UNIT Ideal 75/75 Series 1,000 3.00 9.1893 618,859

WHAT DOES THE FUND INVEST IN? HOW HAS THE FUND PERFORMED? This Segregated Fund invests in the Standard Life Investments Global SICAV, This section tells you how the Fund has performed over the past 2 years. Global Absolute Return Strategies Fund. The underlying fund invests primarily Returns are after the MER has been deducted. in a mix of derivative contracts, fixed income securities and cash on the global It’s important to note that this doesn’t tell you how the fund will perform in the markets. future. Also, your actual return will depend on the guarantee option and sales Strategy weighting % charge option you choose and on your personal tax situation. Equities 34.81 Average return Foreign Exchange Hedging 23.78 A person who invested $1,000 in the Fund on May 17, 2016 has $918.30 on Duration 16.12 December 31, 2018. This works out to an average of -3.20% per year. Credit 12.33 Inflation 7.16 Year-by-year returns Any values close to zero may not be visible. Volatility 3.04 This chart shows how the Fund has performed in each of the past 2 years for a Stock Selection 2.76 contractholder. In the last 2 years the fund was up in value 1 year and down in Total 100.00 value 1 year.

% 2 Market exposure % Assets 0  CASH + DERIVATIVES 34.3 -2  US REAL YIELDS 13.8  BRAZILIAN GOVERNMENT BONDS 11.8 -4  EMERGING MARKETS INCOME 10.5 -6  EUROPEAN EQUITY 10.0 -8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018  OIL MAJORS V GLOBAL EQUITY 7.9  HIGH YIELD CREDIT 4.6 Ideal Global Absolute Return Strategies Fund  UK EQUITY 3.8  For illustration purposes only. Actual segregated fund performance could be expected to vary and will US EQUITY 3.4 depend on the guarantee option you choose.

ARE THERE ANY GUARANTEES? HOW RISKY IS IT? This fund is being offered under an insurance contract. It comes with The value of your investments can go down. Please see the Information Folder guarantees that may protect your investment if the markets go down. The MER for further details. includes a separate insurance fee that is charged for the guarantee. For details, please refer to the Information Folder and Contract. Low Low to Moderate Moderate to High Moderate High WHO IS THIS FUND FOR? This fund may be right for people seeking capital growth over the medium to long term. They are comfortable with the risks of investing in equities, derivative contracts and in the global market.

86 THE MANUFACTURERS LIFE INSURANCE COMPANY IDEAL GLOBAL ABSOLUTE RETURN STRATEGIES FUND HOW MUCH DOES IT COST? The following tables show the fees and expenses you could pay to invest in or sell units of the fund, and will depend on the guarantee option and sales charge option you choose. 1. Sales Charges SALES CHARGE WHAT YOU PAY HOW IT WORKS OPTION

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 87 Fund Highlights

Management Fees & Insurance Fees AT DECEMBER 31, 2018

Management Fees and Insurance Fees Insurance Fee Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series

Ideal Ideal Ideal Standard Platinum F-Class Standard Platinum F-Class Standard Platinum F-Class 75/75 75/100 100/100 Series Series Series FUND NAME Ideal Aggressive Portfolio - - - 2.25 1.65 1.25 2.25 1.65 1.25 - 0.75 1.00 Ideal Bond Fund - - - 1.85 1.45 1.35 1.85 1.45 1.35 - 0.15 0.35 Ideal Canadian Dividend Growth Fund 2.10 1.70 1.10 ------0.40 - - Ideal Canadian Unconstrained Bond Fund - - - 2.05 1.65 1.55 2.05 1.65 1.55 - 0.15 0.35 Ideal Conservative Portfolio - - - 2.25 1.65 1.10 2.25 1.65 1.10 - 0.35 0.60 Ideal Dividend Growth & Income Portfolio - - - 2.25 1.65 1.25 2.25 1.65 1.25 - 0.75 1.00 Ideal Dollar Cost Averaging Program 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ideal Dollar-Cost Averaging Advantage 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Fund (capped) Ideal Fundamental Dividend Fund 2.10 1.70 1.10 ------0.40 - - Ideal Fundamental Income Class 2.25 1.65 1.25 ------0.10 - - Ideal Fundamental Income Fund - - - 2.20 1.60 1.20 2.20 1.60 1.20 - 0.50 0.75 Ideal Global Balanced Fund - - - 2.55 1.95 1.55 2.55 1.95 1.55 - 0.50 0.65 Ideal Global Dividend Growth Fund 2.30 1.90 1.30 ------0.40 - - Ideal Global Strategic Balanced Yield Fund - - - 2.55 2.05 1.55 2.55 2.05 1.55 - 0.50 0.75 Ideal Growth Portfolio - - - 2.25 1.65 1.10 2.25 1.65 1.10 - 0.50 0.75 Ideal Moderate Portfolio - - - 2.25 1.65 1.10 2.25 1.65 1.10 - 0.40 0.65 Ideal Money Market Fund 1.15 0.85 0.90 1.15 0.85 0.90 1.15 0.85 0.90 0.00 0.15 0.25 Ideal Select Aggressive Portfolio - - - 2.50 2.00 1.50 2.50 2.00 1.50 - 0.75 1.00 Ideal Select Conservative Portfolio - - - 2.35 1.85 1.35 2.35 1.85 1.35 - 0.35 0.60 Ideal Select Dividend Growth & - - - 2.45 1.95 1.45 2.45 1.95 1.45 - 0.75 1.00 Income Portfolio Ideal Select Growth Portfolio - - - 2.45 1.95 1.45 2.45 1.95 1.45 - 0.50 0.75 Ideal Select Moderate Portfolio - - - 2.40 1.90 1.40 2.40 1.90 1.40 - 0.40 0.65 Ideal Strategic Income Fund 1.90 1.75 1.50 ------0.05 - - Ideal Strategic Investment Grade Global - - - 2.05 1.65 1.55 2.05 1.65 1.55 - 0.15 0.35 Bond Fund Ideal U.S. Dividend Income Fund 2.20 1.80 1.20 ------0.40 - - Ideal U.S. Monthly High Income Fund - - - 2.45 1.85 1.45 2.45 1.85 1.45 - 0.50 0.75 Ideal CI Black Creek Global Balanced Fund - - - 2.70 2.20 1.70 2.70 2.20 1.70 - 0.50 0.75 Ideal CI Cambridge High Income Fund - - - 2.55 2.05 1.55 2.55 2.05 1.55 - 0.40 0.65 Ideal CI Signature Canadian - - - 2.60 2.10 1.60 2.60 2.10 1.60 - 0.50 0.75 Balanced Fund

88 THE MANUFACTURERS LIFE INSURANCE COMPANY Fund Highlights

Management Fees & Insurance Fees AT DECEMBER 31, 2018

Management Fees and Insurance Fees Insurance Fee Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series

Ideal Ideal Ideal Standard Platinum F-Class Standard Platinum F-Class Standard Platinum F-Class 75/75 75/100 100/100 Series Series Series FUND NAME Ideal Fidelity Canadian Balanced Fund - - - 2.55 2.05 1.55 2.55 2.05 1.55 - 0.50 0.75 Ideal Fidelity Global Monthly Income Fund - - - 2.70 2.20 1.70 2.70 2.20 1.70 - 0.50 0.75 Ideal Fidelity Monthly Income Fund - - - 2.55 2.05 1.55 2.55 2.05 1.55 - 0.50 0.75 Ideal Franklin Bissett Canadian - - - 2.65 2.15 1.65 2.65 2.15 1.65 - 0.50 0.75 Balanced Fund Ideal Franklin Quotential Balanced Growth - - - 2.60 2.10 1.60 2.60 2.10 1.60 - 0.50 0.75 Portfolio Ideal Franklin Quotential Balanced Income - - - 2.60 2.10 1.60 2.60 2.10 1.60 - 0.40 0.65 Portfolio Ideal Franklin Quotential Diversified - - - 2.60 2.10 1.60 2.60 2.10 1.60 - 0.35 0.60 Income Portfolio Ideal Templeton Global Balanced Fund - - - 2.65 2.15 1.65 2.65 2.15 1.65 - 0.50 0.75 Ideal Global Absolute Return 2.55 2.15 1.55 ------0.10 - - Strategies Fund

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 89 Information Specific to Platinum no-load & F-Class

PLATINUM NO-LOAD FUNDS

This section shows the available funds in the Platinum no-load option. For additional fund information, please see corresponding page within this Fund Facts booklet.

NEW ASSET VALUE PER UNITS OUTSTANDING UNITS ($)

FUND NAME Page Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal Aggressive Portfolio 13 10.9952 10.9445 - 418,652 747,606 - Ideal Bond Fund 14 9.9633 9.9579 - 645,844 316,335 - Ideal Canadian Dividend Growth Fund 16 - - 10.6000 - - 999,744 Ideal Canadian Unconstrained Bond Fund 18 10.0321 10.0896 - 134,957 9,385 - Ideal Conservative Portfolio 20 10.5585 10.3512 - 5,771,410 3,826,303 - Ideal Dividend Growth & Income Portfolio 22 10.8030 10.6903 - 2,409,555 1,657,544 - Ideal Dollar Cost Averaging Program 24 10.0000 10.0000 10.0000 25 25 25 Ideal Dollar-Cost Averaging Advantage Fund (capped) 26 10.2523 10.2784 10.2827 282,397 251,555 138,030 Ideal Fundamental Dividend Fund 28 - - 10.6857 - - 806,976 Ideal Fundamental Income Class 30 - - 10.6457 - - 1,326,359 Ideal Fundamental Income Fund 32 10.5220 10.4415 - 6,708,183 3,366,495 - Ideal Global Balanced Fund 34 11.4531 11.3910 - 4,295,742 3,380,269 - Ideal Global Dividend Growth Fund 36 - - 10.3471 - - 546,495 Ideal Global Strategic Balanced Yield Fund 38 9.6094 9.6032 - 777,733 252,938 - Ideal Growth Portfolio 40 10.8922 10.7905 - 1,827,723 1,553,391 - Ideal Moderate Portfolio 42 10.6501 10.5744 - 3,426,349 1,944,987 - Ideal Money Market Fund 44 10.0456 10.0392 10.0520 943,961 984,194 299,719 Ideal Select Aggressive Portfolio 46 10.3658 10.5589 - 109,085 129,492 - Ideal Select Conservative Portfolio 48 10.3325 10.2286 - 797,170 617,201 - Ideal Select Dividend Growth & Income Portfolio 50 10.4996 10.4532 - 1,164,397 454,121 - Ideal Select Growth Portfolio 52 10.5898 10.4732 - 393,342 569,446 - Ideal Select Moderate Portfolio 54 10.3765 10.2963 - 792,316 418,633 - Ideal Strategic Income Fund 56 - - 9.8658 - - 1,084,413 Ideal Strategic Investment Grade Global Bond Fund 58 9.9674 9.9135 - 1,242,932 430,455 - Ideal U.S. Dividend Income Fund 60 - - 12.2211 - - 1,425,997 Ideal U.S. Monthly High Income Fund 62 10.7787 10.6866 - 5,158,249 3,165,525 - Ideal CI Black Creek Global Balanced Fund 64 10.5749 10.4507 - 523,134 641,096 - Ideal CI Cambridge High Income Fund 66 10.5933 10.5863 - 515,968 158,180 - Ideal CI Signature Canadian Balanced Fund 68 10.6975 10.5361 - 465,478 359,835 - Ideal Fidelity Canadian Balanced Fund 70 10.4009 10.3214 - 987,829 611,000 - Ideal Fidelity Global Monthly Income Fund 72 10.8887 10.7721 - 588,553 446,110 - Ideal Fidelity Monthly Income Fund 74 10.1680 10.0839 - 1,842,172 1,170,215 -

90 THE MANUFACTURERS LIFE INSURANCE COMPANY NEW ASSET VALUE PER UNITS OUTSTANDING UNITS ($)

FUND NAME Page Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal Franklin Bissett Canadian Balanced Fund 76 10.2604 10.1653 - 183,808 107,614 - Ideal Franklin Quotential Balanced Growth Portfolio 78 10.4526 10.2742 - 130,127 85,435 - Ideal Franklin Quotential Balanced Income Portfolio 80 10.3308 10.3220 - 130,793 58,921 - Ideal Franklin Quotential Diversified Income Portfolio 82 10.1832 10.2108 - 212,380 56,252 - Ideal Templeton Global Balanced Fund 84 10.9661 10.7669 - 222,809 100,037 - Ideal Global Absolute Return Strategies Fund 86 - - 9.2874 - - 618,859

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 91 Information Specific to Platinum no-load & F-Class

F-CLASS FUNDS

This section shows the available funds in the F-Class option. For additional fund information, please see corresponding page within this Fund Facts booklet.

NEW ASSET VALUE PER UNITS UNITS OUTSTANDING ($)

FUND NAME Page Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal Aggressive Portfolio 12 - 11.0943 11.0820 - 25 25 Ideal Bond Fund 14 - 10.0297 9.9718 - 3,073 1,403 Ideal Canadian Dividend Growth Fund 16 10.7868 - - 2,824 - - Ideal Canadian Unconstrained Bond Fund 18 - 10.1660 10.1136 - 25 25 Ideal Conservative Portfolio 20 - 10.7188 10.7692 - 10,029 25 Ideal Dividend Growth & Income Portfolio 22 - 10.8433 10.8135 - 10,285 4,786 Ideal Dollar Cost Averaging Program 24 10.0000 10.0000 10.0000 25 25 25 Ideal Dollar-Cost Averaging Advantage Fund (capped) 26 10.2928 10.2636 10.2808 25 25 25 Ideal Fundamental Dividend Fund 28 10.9428 - - 25 - - Ideal Fundamental Income Class 30 10.7708 - - 25 - - Ideal Fundamental Income Fund 32 - 10.6499 10.5527 - 24,838 17,256 Ideal Global Balanced Fund 34 - 11.6059 11.5403 - 130,298 29,382 Ideal Global Dividend Growth Fund 36 10.5317 - - 2,998 - - Ideal Global Strategic Balanced Yield Fund 38 - 9.6168 9.6092 - 25 9,651 Ideal Growth Portfolio 40 - 11.0996 10.8948 - 17,593 25 Ideal Moderate Portfolio 42 - 10.8273 10.7841 - 86,899 13,577 Ideal Money Market Fund 44 10.0416 10.0399 10.0144 1,768 264,469 25 Ideal Select Aggressive Portfolio 46 - 10.7819 10.7416 - 958 25 Ideal Select Conservative Portfolio 48 - 10.5336 10.5252 - 25 25 Ideal Select Dividend Growth & Income Portfolio 50 - 10.6318 10.5956 - 1,327 25 Ideal Select Growth Portfolio 52 - 10.7037 10.6155 - 2,761 13,509 Ideal Select Moderate Portfolio 54 - 10.6387 10.4592 - 25 5,532 Ideal Strategic Income Fund 56 9.9924 - - 25 - - Ideal Strategic Investment Grade Global Bond Fund 58 - 10.0066 9.9412 - 15,431 3,883 Ideal U.S. Dividend Income Fund 60 12.4529 - - 3,760 - - Ideal U.S. Monthly High Income Fund 62 - 10.9181 10.8064 - 28,443 4,952 Ideal CI Black Creek Global Balanced Fund 64 - 10.7507 10.6184 - 476 17,613 Ideal CI Cambridge High Income Fund 66 - 10.8367 10.8352 - 25 25 Ideal CI Signature Canadian Balanced Fund 68 - 10.8341 10.7256 - 1,446 25 Ideal Fidelity Canadian Balanced Fund 70 - 10.6943 10.4452 - 25 25 Ideal Fidelity Global Monthly Income Fund 72 - 11.0755 10.9233 - 25 2,700 Ideal Fidelity Monthly Income Fund 74 - 10.3380 10.2266 - 810 4,199

92 THE MANUFACTURERS LIFE INSURANCE COMPANY NEW ASSET VALUE PER UNITS UNITS OUTSTANDING ($)

FUND NAME Page Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal 75/75 Series Ideal 75/100 Series Ideal 100/100 Series Ideal Franklin Bissett Canadian Balanced Fund 76 - 10.5344 10.2744 - 25 25 Ideal Franklin Quotential Balanced Growth Portfolio 78 - 10.7219 10.4736 - 25 25 Ideal Franklin Quotential Balanced Income Portfolio 80 - 10.5628 10.5528 - 25 25 Ideal Franklin Quotential Diversified Income Portfolio 82 - 10.4076 10.4012 - 25 25 Ideal Templeton Global Balanced Fund 84 - 11.2503 10.9888 - 25 25 Ideal Global Absolute Return Strategies Fund 86 9.4529 - - 68,718 - -

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 93 OBJECTIVE AND STRATEGY

Unless otherwise noted, the investment objective of the underlying fund is the same or substantially similar as the segregated fund objective.

Ideal Aggressive Portfolio Ideal Dividend Growth & Income Portfolio Objective Objective The investment objective of the Ideal Aggressive Portfolio is to The investment objective of the Ideal Dividend Growth & Income maximize long-term capital growth. Portfolio is to achieve long-term capital growth. The portfolio Strategy invests in a diversified mix of funds with a focus on dividend This fund will invest in units of multiple underlying funds. growth and monthly income funds. Strategy Ideal Bond Fund This fund will invest in units of multiple underlying funds. Objective The Fund seeks to earn the highest level of income consistent Ideal Dollar Cost Averaging Program with the preservation of capital with some capital appreciation Objective by investing primarily in bonds and debentures of various terms To provide investors with interest income by generally holding all issued or guaranteed by Canadian federal, provincial or municipal of its portfolio assets on deposit in a demand deposit (cashable) governments or corporations. account with an administered interest rate at its affiliate, Strategy Manulife Bank of Canada. This Fund will invest in units of the underlying mutual fund or a Strategy substantially similar fund. Upon request, the strategy for this fund is available through the Investment Policy Statement (IPS). Ideal Canadian Dividend Growth Fund Objective Ideal Dollar-Cost Averaging Advantage Fund (capped) The Fund seeks to generate both capital growth and income by The investment objective of the Fund is to provide investors with primarily investing in in a diversified portfolio of dividend paying interest income by investing in high interest cash accounts. The Canadian equities. Fund is expected to provide a gross investment return equivalent to the return of the Manulife Bank Advantage Account. Strategy To provide investors with interest income by investing in high This Fund will invest in units of the underlying mutual fund or a interest cash accounts. The Fund is expected to provide a gross substantially similar fund. investment return equivalent to the return of the Manulife Bank Advantage Account. Ideal Canadian Unconstrained Bond Fund

Objective Ideal Fundamental Dividend Fund The Fund seeks to generate income with an emphasis on capital This Canadian Equity Fund seeks to generate a combination of preservation. The Fund invests primarily in a diversified portfolio capital growth and income by primarily investing in a diversified of Canadian fixed income securities. The Fund may also invest in portfolio of high-yielding equity and equity-type securities. The fixed income securities of other countries. Fund may also invest in fixed income investments and money Strategy market instruments. This Fund will invest in units of the underlying mutual fund or a This Fund will invest in units of the underlying mutual fund or a substantially similar fund. substantially similar fund.

Ideal Conservative Portfolio Ideal Fundamental Income Class Objective This Balanced Fund aims to generate income with the potential The investment objective of the Ideal Conservative Portfolio is for long term capital growth. The Fund invests primarily in fixed to provide a consistent flow of income with an emphasis on income and equity securities of Canadian and foreign issuers. preservation of capital. This Fund will invest in units of the underlying mutual fund or a substantially similar fund. Strategy This fund will invest in units of multiple underlying funds.

94 THE MANUFACTURERS LIFE INSURANCE COMPANY OBJECTIVE AND STRATEGY

Ideal Fundamental Income Fund Ideal Money Market Fund Objective Objective This Balanced Fund aims to provide a regular flow of monthly The Fund seeks to provide interest income by investing in high revenue. The Fund invests primarily in equities and fixed income quality, short-term fixed income securities issued by Canadian investments. These securities can be Canadian or foreign. federal or provincial governments, Canadian chartered banks, Strategy and loan, trust and other companies operating in Canada. The This Fund will invest in units of the underlying mutual fund or a fund may also invest in interest rate bearing instruments such as substantially similar fund. demand deposit accounts. Strategy Ideal Global Balanced Fund This Fund will invest in units of the underlying mutual fund or a Objective substantially similar fund. The Fund seeks to provide a combination of income and capital appreciation by investing primarily in a global diversified portfolio Ideal Select Aggressive Portfolio of equity and fixed income securities. Objective Strategy The investment objective of the Ideal Select Aggressive Portfolio This Fund will invest in units of the underlying mutual fund or a is to maximize long-term capital growth through internal and/or substantially similar fund. external third party managers. Strategy Ideal Global Dividend Growth Fund This fund will invest in units of multiple underlying funds. Objective The Fund seeks to provide both capital growth and income. The Ideal Select Conservative Portfolio Fund invests primarily in a globally diversified portfolio of equity, Objective equity-type securities and other income producing investments. The investment objective of the Ideal Select Conservative Strategy Portfolio is to generate a consistent flow of income with an This Fund will invest in units of the underlying mutual fund or a emphasis on preservation of capital by investing through internal substantially similar fund. and/or external third party managers. Strategy Ideal Global Strategic Balanced Yield Fund This fund will invest in units of multiple underlying funds. Objective The Fund seeks to provide a combination of income and capital Ideal Select Dividend Growth & Income Portfolio appreciation by investing primarily in a diversified portfolio Objective of global dividend paying equity securities and fixed income The investment objective of the Ideal Select Dividend Growth & securities. Income Portfolio is to achieve long-term capital growth through Strategy internal and/or external third party managers. This Fund will invest in units of the underlying mutual fund or a Strategy substantially similar fund. This fund will invest in units of multiple underlying funds.

Ideal Growth Portfolio Ideal Select Growth Portfolio Objective Objective The investment objective of the Ideal Growth Portfolio is to The investment objective of the Ideal Select Growth Portfolio is emphasize appreciation of capital while still providing some income. to emphasize appreciation of capital while still generating some Strategy income through internal and/or external third party managers. This fund will invest in units of multiple underlying funds. Strategy This fund will invest in units of multiple underlying funds. Ideal Moderate Portfolio Objective The investment objective of the Ideal Moderate Portfolio is to provide income while leaving room for some capital appreciation. This fund will invest in units of multiple underlying funds.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 95 OBJECTIVE AND STRATEGY

Ideal Select Moderate Portfolio Ideal CI Black Creek Global Balanced Fund Objective Objective The investment objective of the Ideal Select Moderate The fundamental investment objective of Black Creek Global Portfolio is to generate income while leaving room for some Balanced Fund is to seek the growth of long-term total return capital appreciation through internal and/or external third by investing primarily in a balanced portfolio of equities, party managers. convertible and fixed income securities issued by governments, Strategy supra-national agencies or corporations anywhere in the world. This fund will invest in units of multiple underlying funds. To achieve its objective, the investment policy of the fund is to invest a majority of the fund’s assets in a portfolio consisting Ideal Strategic Income Fund of equities, convertible and fixed income investments issued globally. The global equity securities in which the fund will Objective invest are a diversified portfolio of primarily globally competitive This Fixed Income Fund aims to generate income with an companies within growing sectors. The debt securities in emphasis on capital preservation. This Fund invests primarily in which the fund will invest are a diversified portfolio of primarily government and corporate debt securities from developed and convertible and fixed income investments issued by governments, emerging markets. It also invests in U.S. government and agency corporations and supra-national organizations throughout the securities and high yield bonds. The Fund may also invest in world. The fundamental investment objective of the fund is preferred shares and other types of debt securities. contained and/or incorporated by reference in its Declaration Strategy of Trust. It may be changed by the Manager only with the This Fund will invest in units of the underlying mutual fund or a sanction of a resolution passed by a majority of the votes cast at substantially similar fund. a meeting of the unitholders of the fund duly convened for that purpose and held in accordance with the applicable provisions of Ideal Strategic Investment Grade Global Bond Fund its Declaration of Trust. Objective Strategy The Fund seeks to provide income with an emphasis on This Fund will invest in units of the underlying mutual fund or a capital preservation by investing primarily in investment-grade substantially similar fund. government and corporate debt securities from developed and emerging markets globally. Ideal CI Cambridge High Income Fund Strategy Objective This Fund will invest in units of the underlying mutual fund or a This fund’s objective is to achieve a high level of income by substantially similar fund. investing primarily in fixed income and high-yielding equity securities and other income producing securities throughout Ideal U.S. Dividend Income Fund the world. Objective Strategy The Fund seeks to achieve a combination of capital growth This Fund will invest in units of the underlying mutual fund or a and income The Fund invests primarily in a diversified portfolio substantially similar fund. of U.S. equity and equity-type securities and other income producing investments. Ideal CI Signature Canadian Balanced Fund Strategy Objective This Fund will invest in units of the underlying mutual fund or a This fund’s objective is to achieve an attractive total return, substantially similar fund. consisting of income and capital gains. It invests primarily in a mix of Canadian equity and equity-related securities and fixed Ideal U.S. Monthly High Income Fund income securities. The fund is not limited to how much it invests Objective or keeps invested in each asset class. The mix may vary according This Balanced Fund seeks to provide a combination of income to market conditions. and capital appreciation by investing primarily in a diversified Strategy portfolio of U.S. dividend paying and other equity securities as This Fund will invest in units of the underlying mutual fund or a well as fixed income securities. substantially similar fund. Strategy This Fund will invest in units of the underlying mutual fund or a substantially similar fund.

96 THE MANUFACTURERS LIFE INSURANCE COMPANY OBJECTIVE AND STRATEGY

Ideal Fidelity Canadian Balanced Fund Ideal Franklin Quotential Balanced Growth Portfolio Objective Objective The Fund aims to achieve high total investment return. The The fund invests in units of the Franklin Quotential Balanced Fund uses a balanced approach. It invests primarily in a mix of Growth Portfolio or a substantially similar fund. The underlying Canadian equity securities, investment grade bonds, high yield fund objective is a balance of current income and long-term securities and money market instruments. capital appreciation by investing in a diversified mix of equity and Strategy income mutual funds, with a bias towards capital appreciation. This Fund will invest in units of the underlying mutual fund or a Strategy substantially similar fund. This Fund will invest in units of the underlying mutual fund or a substantially similar fund. Ideal Fidelity Global Monthly Income Fund Objective Ideal Franklin Quotential Balanced Income Portfolio The Fund aims to achieve a combination of a steady flow of Objective income and the potential for capital gains. It invests primarily The fund invests in units of the Franklin Quotential Balanced in a mix of equity securities and fixed income securities located Income Portfolio or a substantially similar fund. The underlying anywhere in the world. fund objective is a balance of current income and long-term Strategy capital appreciation by investing in a diversified mix of equity and This Fund will invest in units of the underlying mutual fund or a income mutual funds, with a bias towards income. substantially similar fund. Strategy This Fund will invest in units of the underlying mutual fund or a Ideal Fidelity Monthly Income Fund substantially similar fund. Objective The Fund aims to achieve a combination of a steady flow of Ideal Franklin Quotential Diversified Income Portfolio income and the potential for capital gains. It invests primarily Objective in a mix of Canadian equity securities, Canadian fixed income The investment objective of this fund is to achieve high current securities, U.S. commercial mortgage-backed securities, and U.S. income and some long-term capital appreciation by investing higher yielding, lower quality fixed income securities, preferred primarily in a diversified mix of income and equity funds. stocks and convertible securities. The Fund can invest in these Strategy securities either directly or indirectly through investments in This Fund will invest in units of the underlying mutual fund or a underlying funds. substantially similar fund. Strategy This Fund will invest in units of the underlying mutual fund or a Ideal Templeton Global Balanced Fund substantially similar fund. Objective The investment objective of this fund is to achieve current income Ideal Franklin Bissett Canadian Balanced Fund while maintaining prospects for capital appreciation by investing Objective primarily in debt and equity securities issued around the world The investment objective of this fund is to achieve a balance of either directly or through one or more underlying funds. current income and long-term capital appreciation by investing in Strategy a portfolio of Franklin Bissett Funds to achieve a balance of fixed This Fund will invest in units of the underlying mutual fund or a income and equity investments. substantially similar fund. Strategy This Fund will invest in units of the underlying mutual fund or a substantially similar fund.

MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 97 OBJECTIVE AND STRATEGY

Ideal Global Absolute Return Strategies Fund Objective This Alternative Strategies Fund aims to deliver a positive absolute return in the form of capital growth over the medium to longer term in all market conditions. The Sub-fund is actively managed, with a wide investment remit to target a level of return over rolling three-year periods equivalent to cash plus five percent a year, gross of fees. It exploits market inefficiencies through active allocation to a diverse range of market positions. The Sub-fund uses a combination of traditional assets (such as equities and bonds) and investment strategies based on advanced derivative techniques, resulting in a diversified portfolio. The fund can take long and short positions in markets, securities and groups of securities through derivative contracts. Leverage in the fund arises as a result of the use of derivatives. Strategy This Fund will invest in units of the underlying mutual fund or a substantially similar fund.

98 THE MANUFACTURERS LIFE INSURANCE COMPANY MANULIFE IDEAL SIGNATURE SELECT ™ – FUND FACTS 99 For more information, please contact your advisor or visit manulife.ca/investments

Manulife Investments is the brand name describing certain Canadian subsidiaries and operating divisions of Manulife that offers personal wealth management products and services in Canada. As one of Canada’s largest integrated financial services providers, Manulife Investments offers a variety of products and services including: segregated fund contracts, mutual funds, annuities and guaranteed interest contracts. Manulife, Manulife Investments, the Four Cube Design, the Block Design and Strong Reliable Trustworthy Forward-thinking and Manulife Ideal Signature Select are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. MK3369E 05/19 The Manufacturers Life Insurance Company ©2019 Manulife manulife.ca