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For Distributor / Financial Representative use only. This material may not be used with the public.

In Bermuda, products are issued by The Manufacturers Life Insurance Company (Bermuda Branch), a branch of a Canadian-domiciled company incorporated under the laws of Canada.

Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.

Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.

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