Disclaimer

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where Manulife Securities Incorporated (MSI) is not qualified to effect sales.

Insurance Products and services are offered through Manulife Securities Insurance Inc. (a license life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Manulife Securities Insurance Inc. (MSII) and Manulife Securities Incorporated (MSI) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Manulife Securities Incorporated (MSI), or Manulife Securities Insurance Inc. (MSII). The information in this communication is subject to change without notice.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Manulife Securities Incorporated is a Member CIPF.

Trademark disclosure:
“Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Incorporated / Manulife Securities Investment Services Inc. / Manulife Securities Insurance Inc.”

Website/Canadian Residency Disclaimer:
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale. Details are available on request.

Insurance Product Disclaimer:
Insurance products and services are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents. (In BC, please replace Manulife Securities Insurance Inc. with Manulife Securities Insurance Agency.)

Mutual Funds (no performance data):
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Short Opinion Disclaimer / Article Disclaimer:
The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc. and/or Manulife Securities Insurance Inc.