Security Alert:
Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife.

Please be cautious of fraudulent SMS messages. Manulife will only send SMS to Hong Kong mobile numbers using a Registered SMS Sender ID that begins with "#Manulife." If you receive any suspicious SMS or links that appear to be from Manulife, please do not reply, click, or open any links within the message. Please click here to learn more.

Manulife and its agents do not conduct any unsolicited calls related to Manulife MPF products. Regarding MPF cold calls, please click here. Besides, Manulife and its agents would not invite or claim to assist clients to withdraw accrued benefits from MPF accounts. If you receive suspicious calls from any individuals impersonating “Manulife”, claiming to assist in withdrawing accrued benefits from MPF accounts, please do not provide any personal information and/ or MPF account information to suspicious individuals.

Beware of scams! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!

Protect your personal data by keeping your Manulife customer website login password safe and change your password regularly. Manulife will never call you or send any SMS/email asking for your Manulife customer website login password. Stay vigilant for suspicious phone calls, emails, websites, apps and hyperlinks embedded in instant electronic messages, etc. allegedly related to Manulife. If you receive any calls claiming to be from Manulife, authenticate the caller’s identity (e.g. full name of the advisor and his/her Insurance/MPF Intermediary License No. or full name of the Manulife customer service officer). If the caller refuses to disclose such information, please do not continue with the conversation. Also, if you notice any suspicious transaction activities in your account with Manulife, or any account that is under your name but not set up by you, please inform us immediately. If you are in doubt, please contact us at (852) 2108 1188 (HK) / (853) 8398 0383 (Macau) or by email at service_hk@manulife.com (HK & Macau) for assistance.

Manulife Statement on Muddy Waters Report

For Immediate Release

October 4, 2018

TSX/NYSE/PSE: MFC SEHK: 945

Toronto – The Muddy Waters report is a short seller’s attempt to profit at the expense of our shareholders, and we disagree with its conclusions. Manulife continues to believe that Mosten’s position is legally unfounded. We firmly believe that the consumers purchasing universal life policies, and the insurers issuing these policies, never intended to have the policies function as deposit or securities contracts. We have a sound, highly rated global franchise. We expect we will prevail with respect to this matter and that it will not affect our business operations or our ability to meet obligations to our customers, vendors and other key stakeholders.

Media Relations:

Sean B. Pasternak

Manulife 416-254-2114

sean_pasternak@manulife.com

Investor Relations:

Adrienne O’Neill

Manulife

416-926-6997

adrienne_o’neill@manulife.com

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Manulife Statement on Muddy Waters Report