Important Notes

1. Alpha Regular Investor (the "Plan"), being an investment-linked assurance scheme, is an insurance policy issued by Manulife (International) Limited (“Manulife”). Your investments in the Plan are therefore subject to the credit risk of Manulife.
2. The Investment Choices available under the Plan can have very different features and risk profiles. Some may be of high risk. Please read the offering documents of the Plan and offering documents of the underlying funds involved for details.
3. Return on your investments is calculated or determined by Manulife with reference to the performance of the underlying funds/assets.
4. Return of your investments under the Plan may be lower than that of the corresponding SFC-authorised funds due to the fees and charges levied under the Plan.
5. The premiums you pay towards the insurance policy will become part of the assets of Manulife. You do not have any rights or ownership over any of those assets. Your recourse is against Manulife only.
6. Early surrender of the policy, partial withdrawal from the Policy Value, premium holiday or failure to pay premium in full may result in a significant loss of principal and/or bonuses to be awarded. Poor performance of the underlying funds/assets may further magnify the investment losses, while all fees and charges are still deductible.
7. The return of some of the Investment Choices is calculated with reference to pools of assets internally managed by Manulife on a discretionary basis not authorised by the Securities and Futures Commission in Hong Kong (the “SFC”) under the Code on Unit Trusts and Mutual Funds.
8. More importantly, you should be aware of the following regarding your life coverage, any optional supplementary benefits selected and the cost of insurance:
   • Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the cost of insurance for the life coverage and any optional Supplementary Benefit you may choose.
   • The cost of insurance will reduce the amount that may be applied towards investment in the Investment Choices selected.
   • The cost of insurance may increase significantly during the term of your policy due to factors such as age and investment losses, etc. This may result in significant or even total loss of your premiums paid.
   • The policy will be terminated if Manulife has not received sufficient premiums to cover the outstanding Monthly Deduction due, including cost of insurance, after a grace period of 31 days in the following circumstances and you may lose all your premiums paid, the death benefit and any other Supplementary Benefit from the policy.
     • (i)      The initial Account Value is insufficient to cover the Monthly Deduction due, including cost of insurance, within the Initial Period; or
     • (ii)    The Accumulation Account Value is insufficient to cover the Monthly Deduction due, including cost of insurance, after the Initial Period.
   • You should consult your intermediary for details, such as how the fees and charges may increase and could impact the value of your policy.
9. Investment involves risk. You should not purchase this Plan unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
10. You are strongly advised to read the offering documents of the Plan and the offering documents of the underlying funds, which are made available by Manulife upon request, to understand the features and associated risks of the underlying funds.