IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located. If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice. This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website. Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website. The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds. If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1. Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2. Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1. Banks under Article 2 of the Banking Act;

2. The Korea Development Bank under the Korea Development Bank Act;

3. The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4. The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5. The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6. The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7. Insurance companies under the Insurance Business Act (“insurance companies”);

8. Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9. Securities finance companies;

10. Merchant banks;

11. Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12. Financial holding companies under the Financial Holding Companies Act;

13. Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14. Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15. The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16. Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17. The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1. Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2. Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3. Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4. Korea Investment Corporation under the Korea Investment Corporation Act;

5. Korea Financial Investment Association;

6. The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7. The Korea Exchange;

8. The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9. Collective investment vehicles;

10. Credit guarantee fund under the Credit Guarantee Fund Act;

11. Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12. Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13. Corporation that manage mutual-aid project in accordance with laws;

14. Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

· Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o A central bank;

o A national or supranational public entity with professional treasury operations*;

o A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

· Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o A public entity with professional treasury operations*;

o A pension fund/scheme with professional treasury operations*;

o A company with professional treasury operations*;

o A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located. If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice. This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website. Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website. The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds. If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1. Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2. Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1. Banks under Article 2 of the Banking Act;

2. The Korea Development Bank under the Korea Development Bank Act;

3. The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4. The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5. The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6. The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7. Insurance companies under the Insurance Business Act (“insurance companies”);

8. Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9. Securities finance companies;

10. Merchant banks;

11. Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12. Financial holding companies under the Financial Holding Companies Act;

13. Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14. Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15. The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16. Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17. The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1. Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2. Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3. Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4. Korea Investment Corporation under the Korea Investment Corporation Act;

5. Korea Financial Investment Association;

6. The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7. The Korea Exchange;

8. The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9. Collective investment vehicles;

10. Credit guarantee fund under the Credit Guarantee Fund Act;

11. Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12. Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13. Corporation that manage mutual-aid project in accordance with laws;

14. Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

· Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o A central bank;

o A national or supranational public entity with professional treasury operations*;

o A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

· Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o A public entity with professional treasury operations*;

o A pension fund/scheme with professional treasury operations*;

o A company with professional treasury operations*;

o A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

South Korea: This website is owned and provided by Manulife Investment Management (Hong Kong) Limited (“Manulife IM (Hong Kong)”) to Qualified Professional Investors in South Korea based on its registration with the Financial Service Commission as a cross-border discretionary investment management company. Manulife IM (Hong Kong) is licensed by the SFC to conduct various regulated activities in Hong Kong, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. Manulife IM (Hong Kong) reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you hereby submit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect. The information contained in this website is under no circumstances to be construed as solicitation for an investment in a Collective Investment Fund (CIT) or mutual fund (the “Funds”) or purchase of units or shares of the Funds.  If Manulife Investment Management makes/ solicits investments in the Funds in the future from Korean investors, the Funds will comply with the relevant requirements under the applicable laws and regulations of South Korea.

List of Qualified Professional Investors for Cross Border Discretionary Investment Business

1.         Definition of “Qualified Professional Investor”

The term “Qualified Professional Investor” under the FSCMA consists of four categories in accordance with Article 301, Paragraph 2 of the Enforcement Decree of the FSCMA (the “Enforcement Decree”):

(1) Government;

(2) The Bank of Korea;

(3) Financial institutions designated by Article 10, Paragraph 2, Items 1 through 17 of the Enforcement Decree;

(4) Other entities prescribed by Article 10, Paragraph 3, Items 1 through 14 of the Enforcement Decree.

2.  Detailed List of Professional Investor under the Enforcement Decree

The details of “financial institutions” designated by Article 10, Paragraph 2 of the Enforcement Decree and “other entities” prescribed by Article 10, Paragraph 3 of the Enforcement Decree are provided below.

(1) Financial institutions designated by Article 10, Para. 2 of the Enforcement Decree:

1.    Banks under Article 2 of the Banking Act;

2.    The Korea Development Bank under the Korea Development Bank Act;

3.    The Industrial Bank of Korea under the Industrial Bank of Korea Act;

4.    The Export-Import Bank of Korea under the Export-Import Bank of Korea Act;

5.    The National Agricultural Cooperatives Federation under the Agricultural Cooperatives Act;

6.    The National Fisheries Cooperatives Federation under the Fisheries Cooperatives Act;

7.    Insurance companies under the Insurance Business Act (“insurance companies”);

8.    Financial investment companies, excluding concurrent financial investment companies set forth in Article 8, Paragraph 9 of the FSCMA (“concurrent financial investment companies”);

9.    Securities finance companies;

10.  Merchant banks;

11.   Fund brokerage companies authorized pursuant to Article 355, Paragraph 1 of the FSCMA (“fund brokerage companies”);

12.  Financial holding companies under the Financial Holding Companies Act;

13.  Specialized credit finance companies under the Specialized Credit Specialty Finance Business Act;

14.  Korea Federation of Savings Banks and mutual savings banks under the Mutual Savings Bank Act;

15.  The National Forestry Cooperatives Federation under the Forestry Cooperatives Act;

16.  Korean Federation of Community Credit Cooperatives under the Community Credit Cooperatives Act;

17.  The National Credit Union Federation of Korea under the Credit Cooperatives Act; or

(2) Other entities prescribed by Article 10, Para. 3 of the Enforcement Decree:

1.    Korea Deposit Insurance Corporation and financial companies authorized to perform liquidation under the Depositor Protection Act;

2.    Korea Asset Management Corporation under the Act on the Efficient Disposal of Non-Performing Assets, etc. of Financial Institutions and the Establishment of Korea Asset Management Corporation;

3.    Korea Housing Finance Corporation under the Korea Housing Finance Corporation Act;

4.    Korea Investment Corporation under the Korea Investment Corporation Act;

5.    Korea Financial Investment Association;

6.    The Korea Securities Depository established in accordance with Article 294 of the FSCMA (“KSD”);

6-2. An electronic registry defined in subparagraph 6 of Article 2 of the Act on Electronic Registration of Stocks, Bonds, Etc. (“Electronic Registry”);

7.    The Korea Exchange;

8.    The Financial Supervisory Service under the Act concerning Establishment, etc. of the Financial Services Commission (“FSS”);

9.    Collective investment vehicles;

10.  Credit guarantee fund under the Credit Guarantee Fund Act;

11.   Korea Technology Finance Corporation under the Korea Technology Finance Corporation Act;

12.  Fund established in accordance with laws (excluding Items 10 and 11) and corporations that manage and operate such fund;

13.  Corporation that manage mutual-aid project in accordance with laws;

14.  Local government agencies.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

重要信息

本网站仅供机构和专业投资者使用。除机构投资者以外的任何人士不应进入本网站。本网站资料并非提供予未获授权分销或购买所述投资的任何司法管辖区内的机构投资者。

本网站由宏利金融有限公司（宏利金融）的分支机构宏利投资管理旗下的全球资产管理运营。本网站特定地点的部分由该等部分所指明的宏利投资管理实体运营。在特定地点分发本网站资料可能受当地法律或法规限制。本资料不拟供特定所选地点以外任何地点的人士或实体进入或使用，进入这些页面的人士应知悉和遵守其所在地点适用的任何限制。

如果您希望进入和使用本网站，您必须接受这些全球使用条款和条件（全球条款），并同意受其约束并予以遵守，全球条款适用于宏利投资管理网站的所有部分，包括由宏利投资管理当地实体运营的特定地点部分。如果您不同意这些全球条款，您不得进入或使用本网站。不论互联网用户以本网站作任何具体用途，所有全球条款将会适用。使用本网站即代表您接受这些全球条款。

本网站仅供参考，并不构成可能在本网站或通过本网站提述的任何证券、投资或顾问服务的出售要约或购买要约的招揽，或任何有关此类证券或服务的建议。概不就本网站所讨论或通过本网站所访问的证券、产品或服务是否适合任何特定投资者作出声明。您确认任何通过本网站提供的资料并不应构成或被视作投资建议。本网站不应被视为在任何司法管辖区传达任何邀请或劝诱参与投资活动。

本网站由宏利投资管理运营，但其他部分指明由当地法人实体运营除外。本网站特定地点的部分由该部分所指明的宏利投资管理法人实体运营。

中国：本网站仅供属于机构投资者的中华人民共和国（中国）居民使用。因此，只有符合这些资格条件的投资者才能访问本网站。除非中国有关证券或基金的法规另行批准，否则本网站所述任何基金和策略都不得直接和/或间接在中国内地（就此而言，不包括中国香港特别行政区、中国澳门特别行政区或中国台湾地区）提供或出售。

本网站所载资料可能不完整或经过精简，或可能有不同来源，而宏利投资管理并不对其准确性或完整性作出任何明示或暗示的保证，也不承担任何责任。本网站内的特定地点部分并不表示本网站所显示的全部资料只限于该等部分所指明的宏利投资管理实体。本网站可能涵盖宏利投资管理实体在不同地区的资料。所示经验、能力、观点和任何其他资料不应被视为该等部分本身所指明有关宏利投资管理实体的资料，也不应依赖为该实体有关经验、能力或表现的保证。

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

IMPORTANT INFORMATION

This site is intended for use by institutional and professional investors only. Any person who is not an institutional investor should not access this website. Information on this site is not intended for institutional investors in any jurisdiction in which distribution or purchase of the investment referenced is not authorized.

This website, including the services we offer to you through this website and the Manulife Investment Management institutional website dashboard, is operated by the institutional global asset management arm of Manulife Investment Management (previously known as Manulife Asset Management), a segment of Manulife Financial Corporation (“Manulife”). Location-specific sections of this website are operated by the Manulife Investment Management entity identified in those sections. The distribution of information on the website may be restricted by local law or regulation in certain locations. This information is not intended for access or use by, any person or entity in any location other than the specific location chosen and persons accessing these pages should inform themselves about and observe any restrictions which apply in the location in which they are located.

If you wish to access and use this website, you must accept and agree to be bound by and comply with these global terms and conditions of use (the "Global Terms"), which apply to all parts of the Manulife Investment Management website, including the location-specific sections operated by a local Manulife Investment Management entity. If you do not agree to these Global Terms, then you must refrain from accessing or using the website. All Global Terms will apply irrespective of the specific use made by internet users of this website. Your use of this website constitutes your acceptance of these Global Terms.  

This website is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or investment or advisory service, or a recommendation of any such security or service, that may be referenced on or through this website. No representation is given that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that the provision of any information through this website shall not constitute or be considered investment advice.  This website should not be considered as communicating any invitation or inducement to engage in investment activity in any jurisdiction.

The website is operated by Manulife Investment Management except to the extent local legal entity is specified elsewhere. Location-specific sections of this website are operated by the Manulife Investment Management legal entity identified in that section.

Americas Offshore: This site is intended for intermediaries, which are fully responsible for any use made of the site and must observe all local laws of their jurisdiction as well as any laws applicable to their clients, and for institutional investors.  

Information provided about Manulife Irish UCITS funds (the “Funds”) relates to sub-funds of either Manulife Investment Management I PLC, which is an open-ended umbrella company with segregated liability between its sub-funds or Manulife Investment Management II ICAV, which is an umbrella fund with segregated liability between sub-funds. Each of these umbrella entities has been authorized in Ireland as a UCITS Fund and certain Funds have been authorized for public sale in certain jurisdictions within the European Economic Area (“EEA”), United Kingdom and Switzerland. No Fund is currently or is expected to be authorized for public sale in any other jurisdiction, and thus may only be sold under applicable private placement rules. The manager of all funds is Manulife Investment Management (Ireland) Limited (“MIMIL”); distribution of the funds outside of the European Union is performed by MIMIL and John Hancock Investment Management Distributors LLC to certain intermediaries. No fund may be offered or sold to US citizens or residents.

Any decision to invest in any Fund should be based on a review of the terms of the prospectus, including the relevant supplement, the relevant Key Investor Information Document (KIID), and the latest annual and semiannual financial statements, which are available in English on the site.

Advisory services are offered by various Manulife Investment Management entities to qualified institutional investors where permitted under local law.

Canada: This website is operated by Manulife Investment Management Limited, Manulife Investment Management (North America) Limited, Manulife Investment Management Distributors Inc. and Manulife Investment Management Private Markets (Canada) Corp. The website is directed only to residents of Canada that are institutional investors resident in Canada and meet the definition of “accredited investor” as defined under National Instrument 45-106 Prospectus and Registration Exemptions ("NI 45-106") section 1.1 and that are resident in any of the provinces of Canada (hereinafter the "Offering Jurisdictions".). Therefore, only investors that satisfy these eligibility criteria should be accessing this website.

China: This website is directed only to residents of the People’s Republic of China (“China”) which are institutional investors. Therefore, only investors that satisfy these eligibility criteria should be accessing this website.  Unless otherwise approved by the regulations on securities and funds of the People’s Republic of China, any funds and strategies mentioned in this website shall neither be directly and/or indirectly offered nor sold in the People’s Republic of China (not including Hong Kong SAR, Macau SAR or Taiwan in this regard).

The information displayed on this website may be incomplete or condensed or may be obtained from various sources and Manulife Investment Management does not make any warranty, expressed or implied, as to its accuracy or completeness and thus assumes no responsibility of it. Location-specific sections of this website does not mean that all the information displayed on this website is limited to the Manulife Investment Management entity identified in those sections. This website may include the information of the Manulife Investment Management entities across the regions. The experience, capabilities, viewpoints and any other information displayed shall not be regarded as the information of the Manulife Investment Management entity identified in those sections itself, nor shall it be relied upon as a guarantee of the experience, capabilities or performance of such entity.

European Economic Area: This portion of the website is operated by Manulife Investment Management (Ireland) Limited, which is authorised and regulated by the Central Bank of Ireland. This section of the website is only intended for the information of intermediaries and institutional investors resident in the European countries in which Manulife Investment Management products may be sold unless otherwise stated and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is also approved for publication by Manulife Investment Management (Ireland) Limited whose registered office is located at Second Floor, 5 Earlsfort Terrace, Dublin 2, Ireland, registration number 635225.

Hong Kong SAR: [BF1] This website is only directed at Professional Investors, as defined in the Hong Kong Securities and Futures Ordinance and the Securities and Futures (Professional Investor) Rules, and institutional investors based in the Hong Kong Special Administrative Region (“Hong Kong”). Individual investors resident in Hong Kong and those resident or domiciled in territories other than Hong Kong should not access this website.  The website is not directed to any person in any jurisdiction where the publication or availability of the website is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the website. This website has not been reviewed by the Hong Kong Securities and Futures Commission (“SFC”). This website is operated by Manulife Investment Management (Hong Kong) Limited, whose registered office is located at 10/F, Lee Garden One, 33 Hysan Avenue, Causeway Bay, Hong Kong. Manulife Investment Management (Hong Kong) Limited is licensed by the SFC to conduct various regulated activities in Hong Kong. Manulife Investment Management (Hong Kong) Limited reserves the right to grant or revoke the authority of any person to use this website at its absolute discretion. These Global Terms will be governed by and construed under the laws of Hong Kong. By accessing this website, you herebysubmit to the non-exclusive jurisdiction of the Hong Kong courts. If any part of these Global Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Global Terms will remain in full force and effect.

Indonesia: This website is operated by PT Manulife Aset Manajemen Indonesia, which is an investment management and investment advisor company licensed in Indonesia. All of the information on this site is approved for publication by PT Manulife Aset Manajemen Indonesia, whose registered office is located at Sampoerna Strategic Square, South Tower, 31st floor, Jl. Jenderal Sudirman Kav. 45-46, Jakarta, 12930, Indonesia. PT Manulife Aset Manajemen Indonesia is registered with and supervised by the Indonesian Financial Services Authority. This section of the website is only directed at institutional investors. Individual investors resident in Indonesia and those resident or domiciled in territories other than Indonesia is suggested not to access this website. Products and services offered by PT Manulife Aset Manajemen Indonesia are being set up under the laws of jurisdiction of Republic of Indonesia and are not meant to be offered to parties outside jurisdiction of the Republic of Indonesia where in such jurisdiction registration of the products and services offered by PT Manulife Aset Manajemen Indonesia is prerequisite.

日本：日本の機関投資家向けサイトはマニュライフ・アセット・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

This website is operated by Manulife Asset Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.

Malaysia: This website is operated by Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (“Manulife IM (Malaysia)”), which is regulated by the Securities Commission Malaysia. This section of the website is only directed at Malaysian based institutional investors and is not intended for individual investors or institutional investors who domiciled in any jurisdiction/ country other than Malaysia. All of the information on this site is approved for publication by Manulife IM (Malaysia), whose registered office is located at 16th Floor Manara Manulife, No. 6 Jalan Gelenggang, Damansara Heights, 50490 Kuala Lumpur, Malaysia.

Philippines: This website, which is operated by Manulife Investment Management, contains materials pertaining to the Philippines and includes information and resources provided by Manulife Investment Management and Trust Corporation, a subsidiary of The Manufacturers Life Insurance Co. (Phils.), Inc., a trust corporation duly incorporated under the laws of the Philippines and regulated by the Bangko Sentral ng Pilipinas.

Singapore: This website is operated by Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G) ("Manulife Singapore"), which is an entity regulated by the Monetary Authority of Singapore. Manulife Singapore is a member of the Investment Management Association of Singapore (IMAS), and an approved fund management company under the Central Provident Fund Investment Scheme (CPFIS). This website is intended for accredited investors and institutional investors as defined in the Securities and Futures Act (Cap. 289) (“SFA”), and who are  domiciled in Singapore with sufficient sophistication and investment experience to independently assess the merits of an investment in any product described herein and is not intended for distribution to, or use by, any person or entity in the United States, or any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Manulife Singapore (including its affiliates) (collectively hereafter "Manulife") or any of Manulife's products or services to any registration requirement within such jurisdiction or country.

Switzerland: This portion of the website is operated by Manulife Investment Management (Europe) Limited,which is authorized and regulated by the Financial Conduct Authority (“FCA”). The following web pages contain information on the foreign collective investment schemes distributed by Manulife IM (Switzerland) LLC (“Funds”) which have been approved by the Swiss Financial Market Supervisory Authority (FINMA) for distribution in or from Switzerland   Information on the Swiss Representative and Paying Agent is available on each Fund page.

The information contained in the following pages is only directed to “qualified investors” as defined in Article 10(3) and (3ter) CISA and its implementing ordinance, at the exclusion of qualified investors with an opting-out pursuant to Art. 5(1) of the Swiss Federal Law on Financial Services ("FinSA") and without any portfolio management or advisory relationship with a financial intermediary pursuant to Article 10(3ter) CISA.

By clicking on the button “I accept” you certify that you are a qualified investor with domicile/registered seat in Switzerland and that you have read, understood and accepted the legal terms and conditions following below.

Qualified investors pursuant to Article 10 para 3 CISA are Institutional and Professional clients pursuant to FinSA, more specifically:

·        Institutional Client (as defined under Art. 4 para. 3 and 4 FinSA), more specifically as:

o   A Swiss financial intermediary as defined in the Federal Banking Act ("BA"), the Federal Financial Institutions Act ("FinIA") and the CISA (i.e., bank, securities firm, fund management company, manager of collective assets, portfolio manager, trustee, representative of foreign collective investment scheme, SICAV, limited partnership for collective investment, SICAF);

o   A Swiss insurance company as defined in the Federal Insurance Supervision Act ("ISA");

o   A foreign institution subject to a prudential supervision as the institutions listed under the two categories above;

o   A central bank;

o   A national or supranational public entity with professional treasury operations*;

o   A Swiss or foreign collective investment scheme or a management company for such collective investment schemes which is not covered by the categories above but wishes to be considered as an Institutional Client (Art. 5 para. 4 FinSA).

·        Professional Client (as defined under Art. 4 para. 3 FinSA), more specifically as:

o   A public entity with professional treasury operations*;

o   A pension fund/scheme with professional treasury operations*;

o   A company with professional treasury operations*;

o   A large company (i.e., a company which exceeds two of the following parameters: a) balance sheet total of CHF 20 million; b) turnover of CHF 40 million; c) equity of CHF 2 million);

o   A private investment structure with professional treasury operations* created for High-net-worth retail clients;

* An entity is deemed to have professional treasury operations if its finances are managed, on a durable basis, by a professionally qualified person with experience in the financial sector, regardless of the fact that this person is internal or external to such entity.

Taiwan: This portion of the website is for Taiwanese institutional investors only. Investors residing outside Taiwan are prohibited from using this portion of the website. Manulife Investment Management (Taiwan) Co., Ltd. was established in 1998 and became a member of Manulife Financial Corporation in October 2008. Manulife Investment Management (Taiwan) Co., Ltd. may at its sole discretion approve or revoke anyone’s right to use this website. The Terms are subject to and construed in accordance with the laws of the Republic of China (Taiwan); with respect to these Terms, the court of the Taiwan Taipei District Court has nonexclusive jurisdiction. If any part of these Terms is determined to be invalid or unenforceable, it will be regarded as revised as necessary so as to render it valid, and the rest of the Terms will remain valid. Please refer to “Country Schedule” for the “Notification Letter of Collection, Processing, Use and International Transmission of Personal Information by Manulife Investment Management (Taiwan) Co., Ltd. Manulife Investment Management (Taiwan) Co., Ltd. is part of the Manulife group of companies and certain content of this website may be provided by Manulife Group of companies and may refer to the services or capacity to be performed by other affiliates of Manulife Group of companies.

United Kingdom: This website is operated by Manulife Investment Management (Europe) Limited. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United Kingdom, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately. All of the information on this site is approved for publication by Manulife Investment Management (Europe) Limited. Registered in England (company no. 02831891). Registered Office: One London Wall, London EC2Y 5EA. Manulife Investment Management (Europe) Limited is authorised and regulated by the Financial Conduct Authority (firm reference no. 165328).al

United States: This website is operated by Manulife Investment Management (US) LLC, Manulife Investment Management Private Markets (US) LLC, and Manulife Investment Management Timberland and Agriculture, Inc. This section of the website is only intended for the information of intermediaries and institutional investors resident in the United States in which Manulife Investment Management products may be sold, unless otherwise stated, and is not suitable for individual investors. If you are an individual investor please leave this section of the website immediately.

Vietnam: This website is operated by Manulife Investment Fund Management (Vietnam) Company Ltd, which is regulated by the State Securities Commission. This section of the website is only directed at Vietnamese based institutional investors and is not suitable for individual investors. Individual investors resident in Vietnam and those resident or domiciled in territories other than Vietnam should not access this website.

ご利用条件

日本の機関投資家向けサイトは、日本国内の機関投資家のお客さまのみを対象としています。

国内外の個人投資家のお客様及び海外の機関投資家のお客様向けにはご提供しておりません。

以下のご利用条件にご同意いただける場合は、下にある緑色のボタン（I agree）をクリックしてお進みください。ご同意いただけない場合は、灰色のボタン（Cancel）をクリックすると元の画面に戻ります。

機関投資家向けサイト（以下「サイト」といいます。）の運営者は、Manulife Financial Corporation（以下「マニュライフ・ファイナンシャル」といいます。）のグローバルな資産管理部門であるManulife Investment Management（旧Manulife Asset Management）です。地域別セクションは、それぞれのセクションに表示されているManulife Investment Managementの現地の法人によって運営されています。サイト上での情報提供は、地域によっては現地の法令により制限を受けることがあります。サイトの情報は、選択された地域以外の個人又は事業体の閲覧又は利用に供することを意図しておりません。よって、居住地・所在地以外のページにアクセスする場合には、当該地域に適用される制限を確認し遵守していただく必要があります。

サイトの閲覧及び利用を希望される場合には、以下のご利用条件（以下「グローバル条件」といいます。）を受諾するのみならず、その拘束を受け、かつこれに服することに同意していただく必要があります。Manulife Investment Managementサイトのすべてのページ（Manulife Investment Managementの現地の法人が運営する地域別セクションも含まれます。）に対し、グローバル条件が適用されます。これらのグローバル条件に同意されない場合、サイトの閲覧又は利用はご遠慮ください。インターネット・ユーザーがいかなる方法でサイトを利用するかにかかわらず、すべてのグローバル条件が適用されます。サイトを利用された場合、これらのグローバル条件を受諾されたことになります。

サイトは情報提供のみを目的としており、有価証券の取得勧誘又は売付け勧誘等を行うものではなく、運用又は助言に係るサービスについて勧誘を行うものではありません。またサイトに記載された、又はサイト経由で言及された有価証券又はサービスを推奨するものでもありません。サイト上で、又はサイト経由で閲覧できる有価証券、商品又はサービスが、特定の投資家に適していることを表明するものではありません。サイトによる情報提供は投資助言に該当せず、又は投資助言とみなされないことをご了承ください。サイトは、いかなる法域においても、投資活動の提案又は勧誘のための手段とみなされるべきではありません。

現地の法人によって運営されていることが明示されていない限り、サイトはManulife Investment Managementによって運営されています。地域別セクションは、各セクションに表示されたManulife Investment Managementの現地の法人により運営されています。

サイトは、機関投資家及びコンサルタントのみの利用を想定しています。機関投資家に該当しない場合には、サイトにアクセスしないでください。サイトに記載された運用商品・サービスの販売・購入が許可されていない法域の機関投資家は、サイトによる情報提供の対象者ではありません。

日本：日本の機関投資家向けサイトはマニュライフ・インベストメント・マネジメント株式会社が運営しています。日本向けセクションは、日本に拠点を有する機関投資家のみを対象としており、個人投資家向けの内容ではありません。日本在住の個人投資家及び日本国外に居住地又は本拠地を有する個人投資家はアクセスしないでください。

Japan: This website is operated by Manulife Investment Management (Japan) Limited. This section of the website is only directed at Japan based institutional investors and is not suitable for individual investors. Individual investors resident in Japan and those resident or domiciled in territories other than Japan should not access this website.