Terms of use | Institutional | Manulife Investment Management

GLOBAL LEGAL TERMS

This website is operated by the global asset management arm of Manulife Investment Management a segment of Manulife Financial Corporation (“Manulife Financial”). 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.

INTRODUCTION

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, funds, 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.

General terms and conditions of using this website

No funds or services described herein are offered or will be sold in any jurisdiction in which such an offer or sale would be unlawful under the laws of such jurisdiction. No such fund or service is offered or will be sold in any jurisdiction in which registration, licensing, qualification, filing or notification would be required unless such registration, license, qualification, filing, or notification has been effected.

This site is intended for use by institutional investors and consultants 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 the offer of the fund or service referenced is not authorized.

This website, including the location-specific sections, is not directed at children, is not intended to market any product or service to children, and does not seek to solicit or obtain personal information from children.

The website is operated by Manulife Investment Management except to the extent a 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.

This website may also cover information on certain institutional asset managers and distributors or placement agents that are part of the Manulife Investment Management group of companies. The funds and services referred to on this website may be offered by one or more of the following firms that are affiliated with Manulife Investment Management as described below (listed by location in alphabetical order):

Canada: Manulife Investment Management Limited; Manulife Investment Management (North America) Limited; Manulife Investment Management Distributors Inc.; Manulife Investment Management Private Markets (Canada) Corp.

China: Manulife Overseas Investment Fund Management (Shanghai) Limited Company

European Economic Area Manulife Investment Management (Ireland) Limited which is authorized and regulated by the Central Bank of Ireland

Hong Kong SAR: Manulife Investment Management (Hong Kong) Limited

Indonesia: PT Manulife Aset Manajemen Indonesia

Japan: Manulife Investment Management (Japan) Limited

Malaysia: Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U)

Philippines: Manulife Investment Management and Trust Corporation

Singapore: Manulife Investment Management (Singapore) Pte. Ltd. (Company Registration No. 200709952G)

Switzerland: Manulife IM (Switzerland) LLC

Taiwan: Manulife Investment Management (Taiwan) Co., Ltd.

United Kingdom: Manulife Investment Management (Europe) Limited which is authorized and regulated by the Financial Conduct Authority

United States: Manulife Investment Management (US) LLC; Manulife Investment Management Private Markets (US) LLC; Manulife Investment Management Timberland and Agriculture

Vietnam: Manulife Investment Fund Management (Vietnam) Company Ltd.

Each of the entities described in this website is affiliated with one another through common control and ownership by Manulife. While some of the affiliates are authorized or licensed to conduct business in one or more jurisdictions, and may also act in other locations pursuant to exemptions and in accordance with applicable law, they are not authorized to offer their services in all jurisdictions. Thus, an investor's access to such affiliates may be limited to certain funds and/or services.

No warranty is made in respect to the information contained in this website. Manulife Investment Management believes that the information contained in this site is accurate at the date of publication, but does not guarantee the accuracy, completeness, currency, or authenticity of any site content. Any opinions expressed are those of the author(s) and are subject to change without notice. Our investment teams may hold different views and make different investment decisions. These opinions may not necessarily reflect the views of Manulife Investment Management or its affiliates.

Nothing contained within this website should be construed as investment, financial, accounting, retirement planning, securities, tax, or legal advice, and you agree that this website will not be used by you for these purposes. The website does not contain any advice as to the advisability of investing in, purchasing, or selling securities, funds, or services. Decisions based on information contained in this website are the sole responsibility of the user. The information contained in this website is not an offer to sell or a solicitation of an offer to buy any security or any fund or service.

This website contains forward-looking statements. You can identify these forward-looking statements by the use of words such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “intend,” “will,” “plan,” “estimate,” “anticipate”, or the negative version of these words or other comparable words. Forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. We undertake no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise.

An investment in any fund or strategy described herein may not be suitable for all investors. Investment in any funds or strategies described in this website should only be made on the basis of the relevant offering documents and/or investment policy statements and applicable terms and conditions. By making available information on the website, Manulife Investment Management does not represent that any fund or product is available or suitable for any particular user. All persons and entities accessing the website do so on their own initiative and are responsible for compliance with applicable local laws and regulations. Access to the website from countries or territories where such access is illegal is prohibited. Manulife Investment Management makes no representations that the transactions, products, or services discussed on or accessible through the website are available or appropriate for sale or use in all jurisdictions or by all users.

Certain clients may access account information, including transactions, through this site. Account information is unaudited unless noted otherwise, and may be based on estimates. Do not make any investment decisions based on such information as it is subject to change.

Past performance is no guarantee of future returns. No representation is being made that any investment or transaction will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. The investment return and principal value of an investment may fluctuate, and the price of any units or shares of any fund described herein can fall as well as rise and you may not get back the amount originally invested. Investments in a Manulife Investment Management product or client account are not deposits or obligations of, or guaranteed or endorsed by, any bank, and are not federally insured or guaranteed by the U.S. government, the Federal Deposit Insurance Corporation, the Federal Reserve Board or any other agency.

You must read any relevant offering document(s) and/or investment policy statement for any fund or strategy for all the relevant risk factors pertaining to your investment. You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your decision to invest in any fund or strategy described herein.

Through this website, you may have access to market data such as news reports, third-party analyst reports, research, last sale transaction data, securities price quotations, and other information relating to securities and the securities markets ("Market Data"). Manulife Investment Management may obtain this Market Data from third parties who are independent of Manulife Investment Management. Even though the sources of the Market Data provided on this website are believed to be reliable Manulife Investment Management is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the Market Data.

The Market Data is provided "as is" and on an "as available" basis. Manulife Investment Management will not be responsible for lost profits, trading losses, or any other damages resulting from inaccurate, defective, or unavailable Market Data or other information. Manulife Investment Management is not obligated to update or to continue to offer Market Data or other information accessible through this website.

Important information about liability

You agree that your use of the website and content available on or through the website shall be on an "as is" and an "as available" basis. Manulife Investment Management specifically disclaims all warranties and conditions of any kind, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from defects, uninterrupted use and all warranties implied from any course of dealing or usage of trade. Manulife Investment Management makes no warranty or representation that the website, including the location-specific sections (A) will be secure or available at any particular time or location, (B) any defects or errors will be corrected, (C) are free of viruses or other harmful components, (D) will meet your requirements, or (E) operation of the website will be uninterrupted or error free. Any oral or written advice provided by Manulife or its authorized agents does not and will not create any warranty. Certain locations do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

You agree to indemnify all Manulife Investment Management entities (including their parent companies, and affiliated or associated companies) and their officers, directors, employees and agents in respect of any third-party claim, including reasonable attorneys' fees, for any injury, loss, damage, or expense occasioned by or arising directly or indirectly from the operation, use, or supply of information to a third party provided in breach of any of your obligations under these Global Terms.

If you transmit any communication through this website to Manulife Investment Management directly or through any third-party internet or other service provider, you shall be responsible and liable for any omissions or failures that may be made while transmitting or receiving communications using this website. This website is not designed for the transmission of time sensitive instructions — this means that if you use this website to transmit time sensitive instructions, you will be responsible and liable for any loss that may arise, and you transmit such time sensitive information at your own risk.

You agree that neither Manulife Investment Management, nor any officer, affiliate, manager, member, director, agent or employee of Manulife Investment Management, or any Manulife Investment Management affiliate, will be liable to you or any third party for any direct, indirect, incidental, special, punitive, or consequential damages, including but not limited to, loss of profits, loss of earnings, loss of business opportunities, loss of data, damages, expense, or costs resulting directly or indirectly from, or otherwise arising in connection with, the use or inability to use the website by you or any third party, including without limitation any of the following:

A. Reliance. Damages resulting from or arising from any reliance on the website or any content on the website, or the mistakes, omissions, interruptions, errors, defects, delays in operation, non-deliveries, mis-deliveries, transmissions, eavesdropping by third parties, or any failure of performance of the website or any content.

B. Infringement, etc. Any allegation, claim, suit, or other proceeding based upon a contention that the use of the website by any user or a third party infringes the copyright, patent, trademark, trade secret, confidentiality, privacy, or other intellectual property rights or contractual rights of any third party.

C. Force Majeure. Any delay or failure of Manulife Investment Management to perform due to government restriction, strikes, war, any natural disaster or any other condition beyond Manulife Investment Management's control.

Intellectual property; hyperlinks to third-party websites

Subject to your agreement to, compliance with, and satisfaction of these Global Terms, Manulife Investment Management will make the website available to you in accordance with these Global Terms. Unless otherwise indicated, Manulife Investment Management or its affiliates own the copyright and any other intellectual property rights subsisting anywhere in the world to this website and all information on this website. You may not copy, reproduce, duplicate, modify, adopt or lend, sell, disseminate or otherwise transfer, in whole or in part, any portion of this website or any of the information contained in this website, except for the purpose of accessing the website and producing print-outs for your own personal use, or making a reasonable number of copies of such pages for internal use within your organization in accordance with these Global Terms. Users shall not remove, alter, or obscure any copyright, trademark, trade secret or other proprietary rights notices appearing in or on the website, and shall reproduce all such notices on any copies of content made by or on behalf of users.

We do not recommend or endorse and accept no responsibility for the content of any website not operated by us which you may visit by following a link from this website. You acknowledge and agree that Manulife Investment Management is not responsible for the availability of such third-party sites or resources, and do not endorse, approve, investigate or verify, and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further agree that Manulife Investment Management shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, or services available on such external sites or resources. These links are provided as a convenience and solely for informational purposes. Manulife Investment Management is not making any recommendation to invest in, purchase, or sell any securities or other products or services issued by the companies with the linked sites, nor has Manulife Investment Management sought to verify or confirm the information contained in the linked sites. Accordingly, Manulife Investment Management disclaims any responsibility for the linked sites.

No other website, without the prior written permission of Manulife Investment Management, is authorized to link to any part of this website.

Names, phrases, logos, icons, graphics, images or designs, including the design marks above, used throughout the website may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of The Manufacturers Life Insurance Company, its subsidiaries or affiliates. The display of Trademarks on this website is not an implied license to any third party for use of the Trademarks. Manulife, Stylized M Design, Manulife Investment Management, & Design are Trademarks of The Manufacturers Life Insurance Company and are used by it, and its affiliates under licensees.

Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law and such users may be subject to legal action.

Prohibitions

You agree that you will not (and you agree not to encourage or allow any third party to):

§ license, sublicense, sell, resell, transfer, assign, distribute, or otherwise commercially exploit or make available to any third party any portion of the website in any way;

§ copy, modify, adapt, alter, translate, create derivative works, reverse engineer, decompile, disassemble, or otherwise attempt to learn the source code, structure, or ideas upon which the website is based;

§ use the website to develop a competing website or product;

§ use any device, software, or routine intended to damage or otherwise interfere with the proper functioning of the website, servers, or networks connected to the website or take any other action that interferes with any other person’s use of the website;

§ decrypt, transfer, or “frame” or “mirror” the website on any other server or wireless or Internet-based device;

§ circumvent or attempt to circumvent any electronic protection measures in place to regulate or control access to the website;

§ use the website for unlawful purposes;

§ use any bot, spider, or other automatic or manual device or process for the purpose of harvesting or compiling information on the website;

§ access or attempt to access another person’s account;

§ use any information on the website in any manner that misappropriates any trade secret or infringes a party’s intellectual property rights;

§ delete, modify, hack, or attempt to change or alter the website; or

permit or assist any third party to do any of the foregoing.

The Online Copyright Infringement Liability Limitation Act (OCILLA), a portion of the Digital Millennium Copyright Act known as DMCA Section 512, is a U.S. federal law that provides a safe harbor to online service providers that promptly take down content if someone alleges it infringes their copyright. In accordance with this Act, Manulife Investment Management has implemented procedures for receiving written notification of claimed infringements and for processing such claims.

If you believe that your work has been copied on this website in a way that constitutes copyright infringement, please contact our Copyright Agent listed below, who is designated pursuant to the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(2), with the following information:

1. Your address, telephone number, and/or email address;

2. Identification of the allegedly infringing material that is to be removed or disabled, and information reasonably sufficient to permit us to locate the material (including, if possible, a link to the material);

3. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;

4. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

5. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; and

6. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Manulife Investment Management's Agent for Notice of claims of copyright infringement can be reached as follows:

Joshua Cook

Manulife Investment Management

197 Clarendon Street

Boston, MA 02116

Phone: 1 (617) 572-9180*

Email: joshuacook@jhancock.com*

*This email and phone number are for use only for communications relating to DMCA notices. For inquiries or communications on other topics, please find appropriate contact information at MIM_Institutional_Client_Service@manulife.com

Other information

Institutional Client Accounts

You may be required to create an account to use certain features of the website, in which case you will also be required to accept the terms of the User Agreement. Your account may be used to fulfil our business relationship with you, including providing reports and, for certain clients, managing investment transactions.

You agree that you will maintain your account information to ensure that it is always current, complete, and accurate. You agree to protect the security of your account. You are responsible for all use of your account, including your login credentials (i.e., username and password) and activation codes and passwords. Unauthorized access to password-protected or secure areas is prohibited and may lead to criminal prosecution. We may suspend your use of all or part of the website without notice if we suspect or detect any breach of security. Please immediately notify us if you believe that information you provided to us is no longer secure or if you need to deactivate your account or password.

Mobile Devices

You are responsible for the software, hardware, and Internet service needed to access and use the website. If you access and use the website on your smartphone, tablet, or other mobile device (“Mobile Device”), you are solely responsible for any and all data and other fees related to your access and use of the website through your Mobile Device.

Availability

We do not guarantee availability of the website at all times of the day. We may from time to time perform upgrades, updates or otherwise make the website or certain functionality of the website unavailable. To the maximum extent authorized under applicable law, we reserve the right to change, remove, delete, restrict, block access to, or stop providing any or all of the website at any time and without notice.

Termination

We may immediately suspend or terminate your access to the website without notice if we believe you have violated any part of these Global Terms.

Additional Terms

Certain functionality of the website may be subject to additional or separate terms (“Additional Terms”) presented in conjunction with them. Regardless of how they are presented to you, you must agree to Additional Terms before using the functionality of the website to which they apply. Unless otherwise specified in Additional Terms, all Additional Terms are incorporated into these Global Terms. If you do not agree to Additional Terms, then you may not use the functionality to which they relate. These Global Terms and Additional Terms apply equally but, if any Additional Term is inconsistent with any provision of these Global Terms, the Additional Term will prevail for the functionality to which the Additional Terms apply.

Changes to content within the website

We reserve the right, in our sole discretion, to change, modify, add, or remove portions of these Global Terms at any time without notice to website users. Similarly, we reserve the right, without notice, in our sole discretion at any time, to change, modify, add, or remove the content of this website, including the location-specific sections, to terminate the website in whole or in part or to terminate your ability to access and use this website.

We may update these Global Terms from time to time without prior or concurrent notice to you. Changes will be effective immediately but will not apply retroactively. You are responsible for periodically checking these Global Terms for changes. If we make changes to these Global Terms that materially affect your rights, we will use commercially reasonable efforts to provide additional notice to you, such as by email or through the website.

Privacy

As part of our general business activity, we may collect your name, work contact details and details of the position you hold in your professional capacity. We may also collect information about you or individuals you represent, e.g., directors, officers and other key management personnel. For further information, please reference our Global Privacy Policy.

Manulife complies with data protection regulations in jurisdictions where we do business.

General

In the event that any provision of these Global Terms shall, in whole or in part, be determined to be invalid, unenforceable or void for any reason, such determination shall affect only the portion of such provision determined to be invalid, unenforceable or void, and shall not affect in any way the remainder of such provision or any other provision of these Global Terms. Manulife Investment Management and user authorize a court or arbitrator to replace such an invalid, unenforceable, or void provision with a valid provision which is as similar as possible in substance to the invalid, unenforceable or void provision. Manulife Investment Management's failure to act with respect to a breach by user or others does not waive their right to act with respect to subsequent or similar breaches.

These Global Terms and any modifications hereto constitute the entire agreement between the parties with regard to the subject matter hereof and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Global Terms shall be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose.

Governing Law

The laws of the Commonwealth of Massachusetts and the federal laws of the United States applicable therein shall govern as to the interpretation, validity, and effect of this agreement and any use of the website, other than the location-specific portions of the website, which shall be governed as indicated therein. You hereby consent and submit to the non-exclusive jurisdiction of the state and federal courts of Massachusetts in any action or proceeding instituted under or related to this agreement or your use of the website. In the event of any conflict between foreign laws, rules and regulations and those of the United States, the laws, rules, and regulations of Massachusetts shall govern. If any part of these Global Terms is or becomes unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Location-Specific Legal Information

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”), the 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.

Manulife Investment Management Limited's affiliated managers may not be registered in and may not be permitted to provide investment advice directly to clients in all or any Canadian jurisdictions. In such cases, Canadian resident investors may only be able to gain access to them through Manulife Investment Management Limited. Except as specifically permitted and subject to applicable restrictions and regulations, the products or services of Manulife Investment Management Limited's affiliated managers are not offered outside their intended countries or regions. Manulife Investment Management Limited provides access to the investment services of its non-Canadian affiliates through funds and other products and services that are intended for Canadian residents only.

Certain of the funds and strategies described herein may only be available to Canadian residents, or more specifically to "accredited investors". Prospective investors who are not resident in Canada should consult their advisor to determine if the funds and strategies described herein may be lawfully sold in their jurisdiction.

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.

Any investment in a fund or strategy mentioned in this website should be made on the basis of the sale documentation (for example, fund prospectuses, investment policy statement or other applicable terms and conditions) with respect to individual investment. Before making any decisions on investment, investors shall carefully read the specific sale documentation. Investors may be subject to foreign exchange control approval and filing requirements under the relevant Chinese foreign exchange regulations, as well as offshore investment approval requirements. Investors shall be liable for obtaining all the necessary approvals and making all the necessary filings for any investment. Pursuant to the provisions of anti-money laundering regulations, you may be required to submit other documentation for identification purposes when making an investment. The details are contained in the relevant offering document(s).

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: 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 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.

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, A Jenderal Sudirman Kay. 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.

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.

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) ("SFX), 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.

These Terms shall be subject to, governed by, and construed in accordance with the laws of Singapore, and you hereby submit to the non-exclusive jurisdiction of the Singapore Courts.

You acknowledge and agree that Manulife Singapore's records and any records of communications, transactions, instructions or operations relating to the operation of the website and any record of any communications, transactions, instructions or operations maintained by Manulife Singapore or by any relevant person authorised by Manulife Singapore relating to or connected with the website shall be binding on you for all purposes whatsoever and shall be conclusive evidence of such communications, transactions, instructions or operations. You agree that such records are admissible in evidence and that you shall not challenge or dispute the admissibility, reliability, accuracy or the authenticity of the contents of such records merely on the basis that such records were in electronic form or were produced by or are the output of a computer system, and hereby waive any of your rights (if any) to so object.

The security of electronic mail sent through the internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. Manulife therefore recommends that you do not send time-sensitive or action-oriented messages to us through electronic mail. Manulife may not, and is not obliged to, process your requests, orders, or instructions until Manulife can confirm your instructions or obtain appropriate written documentation where it deems necessary. Manulife shall not be under any obligation whatsoever, express or implied, to reply to unsolicited correspondence, communications or email or to acknowledge receipt of the same.

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.

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.

All information on this website has been approved for public disclosure by Manulife Investment Management (Taiwan) Co., Ltd., whose registered place of business is Taiwan, R.O.C. Manulife Investment Management (Taiwan) Co., Ltd. is a securities investment trust business.

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: 1 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. 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 and services 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.

General Inquiries about this website and the Global Legal Terms should be directed to: MIM_Institutional_Client_Service@manulife.com

Effective date: September 30, 2021.

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U.S. law governs the terms of use of the global section of the Manulife Investment Management website. Local law governs the terms of use of the regional sections of the website, each of which is intended to provide general information only about Manulife Investment Management's organization and capabilities. Investors may access this information by selecting a specific location through the site navigation. Persons outside a selected location are advised to seek independent advice relating to the use of the site, as they may be prohibited from receiving such information under the laws applicable to their place of citizenship, domicile, or residence.

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