Ideal Segregated Funds Signature Series Fund Facts

Ideal Segregated Funds Signature Series Fund Facts The Manufacturers Life Insurance Company ( Manulife Financial ) Operations, Customer Experience 1245 Sherbrooke Street West, Suite 1200 Montréal, Québec H3G 1G3 P.O. Box 11497, Stn Centre-Ville, Montréal, Québec H3C 5S5 Toll Free 1 888 841-6633 Toll Free Fax 1 877 882-4892 The Manufacturers Life Insurance Company ( Manulife Financial ) is the issuer of the Ideal Segregated Funds Signature Series Insurance Contract and the guarantor of any provisions therein.

Ideal Segregated Funds Signature Series Fund Changes FUND FACTS AND APPLICATION ADDENDUM Effective March 11, 2016 and April 15, 2016, the Ideal Segregated Funds Signature Series Fund Facts and Application, are amended to reflect the enclosed fund name changes. This Addendum forms part of your Fund Facts and Applications. Segregated fund name changes Effective March 11, 2016 and April 15, 2016, the names of the following segregated funds will be changed. Segregated Fund Name New Segregated Fund Name Effective Date Ideal Corporate Bond Fund Ideal Canadian Corporate Bond Fund March 11, 2016 Ideal Dividend Income Fund Ideal Canadian Dividend Income Fund March 11, 2016 Ideal Global Equity Fund Ideal Global Equity Unconstrained Fund March 11, 2016 Ideal U.S. Dividend Growth Fund Ideal U.S. Dividend Income Fund March 11, 2016 Ideal Canadian Small Cap Fund Ideal Growth Opportunities Fund March 11, 2016 Ideal U.S. Equity Value Fund Ideal U.S. All Cap Equity Fund March 11, 2016 Ideal Global Bond Fund Ideal Strategic Investment Grade Global Bond Fund April 15, 2016 Ideal International Equity Fund Ideal World Investment Fund April 15, 2016 The Manufacturers Life Insurance Company ( Manulife ) is the issuer of the Manulife Ideal Segregated Funds Signature Series insurance contract and the guarantor of any guarantee provisions therein. If you have any questions about these changes, please contact your advisor or Manulife Investments at Manulife.ca/Investments or call Customer service Centre 1 888 841 6633 Manulife, Manulife Investments, the Block Design, the Four Cube Design and strong reliable trustworthy and forward thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence. MK3300E 01/16 2016 Manulife www.manulife.ca

Contents Fixed Income Funds 4 Ideal Money Market Fund 7 Ideal Canadian Bond Fund 10 Ideal Corporate Bond Fund 13 Ideal Global Bond Fund (formerly Ideal International Bond Fund) Balanced Funds 16 Ideal Income Balanced Fund 19 Ideal Russell Income Essentials Portfolio 22 Ideal Monthly Income Fund 25 Ideal Fidelity Monthly Income Fund 28 Ideal Balanced Fund 31 Ideal Fidelity Canadian Balanced Fund 34 Ideal Fidelity Canadian Asset Allocation Fund 37 Ideal Russell Diversified Monthly Income Portfolio 40 Ideal Templeton Global Balanced Fund 43 Ideal Trimark Global Balanced Fund 46 Ideal Fidelity Global Asset Allocation Fund Equity Funds 49 Ideal Dividend Income Fund 52 Ideal Fidelity Dividend Fund 55 Ideal Canadian Dividend Growth Fund 58 Ideal Canadian Equity Fund 61 Ideal Canadian Small Cap Fund U.S. Equity Funds 64 Ideal U.S. Dividend Growth Fund 67 Ideal U.S. Equity Value Fund International Equity Funds 70 Ideal Global Dividend Growth Fund 73 Ideal Global Equity Fund 76 Ideal International Equity Fund Ideal Portfolios 79 Ideal Conservative Portfolio 82 Ideal Portfolio 85 Ideal Growth Portfolio 88 Ideal Dividend Growth & Income Portfolio 91 Ideal Aggressive Portfolio 94 Ideal Select Conservative Portfolio 97 Ideal Select Portfolio 100 Ideal Select Growth Portfolio 103 Ideal Select Dividend Growth & Income Portfolio 106 Ideal Select Aggressive Portfolio 109 Ideal Franklin Quotential Diversified Income Portfolio 112 Ideal Franklin Quotential Balanced Income Portfolio 115 Ideal Franklin Quotential Balanced Growth Portfolio 3

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 1, 1993 Total Fund Value: $149.67 million Portfolio Turnover Rate: n/a Series Option Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Money Market Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 1.22 $10.07 1,967,035 100/100 $1,000 1.25 $10.05 880,696 GLWB $25,000 1.22 $10.00 167,895 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in money market instrumets and cash. The Fund invests in Canada. Top 10 investments (as of December 31, 2014) % Cash and cash equivalents 54.2 Canadian Imperial Bank of Commerce 1.64% 9/23/2015 5.4 Omers Finance Trust 1.19% 2/2/2015 4.0 Société de transport de Montréal 1.18% 1/15/2015 3.8 Bank of Nova Scotia, (The) 2.25% 5/8/2015 3.8 Honda Canada Finance Inc. 1.70% 12/3/2015 3.7 Bank of Nova Scotia, (The) 1.64% 9/18/2015 3.3 HSBC Bank Canada 1.19% 1/14/2015 3.1 Bank of Montreal 3.93% 4/27/2015 3.0 Caisse centrale Desjardins 1.62% 10/16/2015 2.4 Total 86.7 Total investments: 61 Investment Segmentation (as of December 31, 2014) % Assets Bonds 45.3 Other Assets 0.5 Cash & Equiv. 54.2 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,006.64 on December 31, 2014. This works out to an average of 0.11% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 0.5 0.4 0.3 0.2 0.1 0.0-0.1 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 4 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Money Market Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking the potential to preserve capital and potential income. They are also seeking access to their money in the short term. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 5

Ideal Money Market Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 0.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 1.22 100/100 1.25 GLWB 1.22 75/100 Platinum No-Load 1.10 100/100 Platinum No-Load 1.27 GLWB Platinum No-Load 1.11 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 6

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Canadian Bond Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 31, 1986 Total Fund Value: $124.44 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.20 $12.34 2,070,758 100/100 $1,000 2.48 $12.17 1,670,258 GLWB $25,000 2.21 $11.15 321,827 Portfolio Turnover Rate: 43.49% Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests primarily in fixed income. The Fund invests in Canada. Top 10 investments (as of December 31, 2014) % Canada Housing Trust No. 1 1.70% 12/15/2017 7.4 Government of Canada 2.75% 12/1/2048 4.6 Province of Ontario 5.85% 3/8/2033 3.4 Ville de Montréal 5.00% 12/1/2018 3.1 Province of Ontario 4.60% 6/2/2039 2.9 Financement-Québec 5.25% 6/1/2034 2.1 Toronto, City of 5.05% 7/18/2017 2.0 Province of Quebec 5.00% 12/1/2038 1.9 Province of Ontario 1.53% 11/23/2017 1.9 Province of Quebec 6.00% 10/1/2029 1.7 Total 31.0 Total investments: 99 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,233.54 on December 31, 2014. This works out to an average of 3.58% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Investment Segmentation (as of December 31, 2014) % Assets Bonds 98.4 Other Assets 0.4 Cash & Equiv. 1.2 % 8 6 4 2 0-2 -4 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 7

Ideal Canadian Bond Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income. They are also seeking fewer ups and downs in the market. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 8

Ideal Canadian Bond Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.00% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.20 100/100 2.48 GLWB 2.21 75/100 Platinum No-Load 1.76 100/100 Platinum No-Load 1.97 GLWB Platinum No-Load 1.72 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 9

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Corporate Bond Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 10, 2000 Total Fund Value: $179.17 million Portfolio Turnover Rate: 11.58% Manager of the underlying fund: Manulife Asset Management Limited Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.53 $14.07 2,550,176 100/100 $1,000 2.76 $13.89 2,405,590 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in Canadian bonds. The Fund is made up primarily of corporate bonds. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Corporate Bond Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % General Motors Financial Company of Canada, Ltd. 3.25% 5/30/2017 1.7 Royal Bank of Canada 3.04% 7/17/2019 1.5 Bell Canada 4.75% 9/29/2044 1.5 Toronto-Dominion Bank, (The) 4.78% 12/14/2016 1.4 TransCanada PipeLines Limited 8.05% 2/17/2039 1.3 Bank of Montreal 3.12% 9/19/2019 1.2 Government of Canada 1.75% 9/1/2019 1.2 Wells Fargo Financial Canada Corporation 2.77% 2/9/2017 1.2 IGM Financial Inc. 6.58% 3/7/2018 1.1 Citigroup Inc. 3.39% 11/18/2021 1.1 Total 13.1 Total investments: 193 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,407.41 on December 31, 2014. This works out to an average of 5.90% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 15 Investment Segmentation (as of December 31, 2014) % Assets Bonds 98.9 Other Assets 0.8 Cash & Equiv. 0.3 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 10 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Corporate Bond Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential higher income than traditional bonds. They are also seeking fewer ups and downs in the market. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 11

Ideal Corporate Bond Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.00% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.53 100/100 2.76 75/100 Platinum No-Load 2.09 100/100 Platinum No-Load 2.32 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 12

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Global Bond Fund (formerly Ideal International Bond Fund) As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 10, 2000 Total Fund Value: $10.74 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.70 $10.61 409,813 100/100 $1,000 2.92 $10.50 110,442 Portfolio Turnover Rate: 21.14% Manager of the underlying fund: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of Canadian and/or foreign fixed income. The Fund invests in Canadian and/or foreign currency. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Global Bond Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Cash and cash equivalents 12.1 United States Treasury (USD) 2.63% 11/15/2020 6.3 Province of Ontario (USD) 2.00% 9/27/2018 5.7 Bundesrepublik Deutschland (EUR) 1.50% 5/15/2024 5.3 Bundesrepublik Deutschland (EUR) 3.25% 7/4/2015 4.5 United States Treasury (USD) 2.00% 11/15/2021 4.1 Province of Ontario (EUR) 4.00% 12/3/2019 4.0 Government of Japan (JPY) 0.10% 12/15/2016 3.7 United Kingdom Treasury (GBP) 3.75% 9/7/2021 3.6 Province of Ontario (USD) 4.00% 10/7/2019 3.5 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,060.94 on December 31, 2014. This works out to an average of 1.00% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 3 years and down in value 3 years. Total 53.0 Total investments: 41 % 15 10 5 Investment Segmentation (as of December 31, 2014) % Assets Bonds 88.2 Other Assets -0.3 Cash & Equiv. 12.1 0-5 -10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 13

Ideal Global Bond Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income. They are also seeking fewer ups and downs in the worldwide market. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 14

Ideal Global Bond Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.00% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.70 100/100 2.92 75/100 Platinum No-Load 2.20 100/100 Platinum No-Load 2.41 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 15

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 7, 1998 Total Fund Value: $213.90 million Portfolio Turnover Rate: 81.50% Series Option Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Income Balanced Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.83 $14.77 1,713,535 100/100 $1,000 3.11 $14.57 2,555,207 GLWB $25,000 2.79 $12.10 394,806 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of equities and fixed income. The equities are both Canadian and foreign. Top 10 investments (as of December 31, 2014) % Cash and cash equivalents 11.8 Toronto-Dominion Bank, (The) 2.7 Royal Bank of Canada 2.6 Bank of Nova Scotia, (The) 2.4 Canada Housing Trust No. 1 1.70% 12/15/2017 1.8 Canadian National Railway Company 1.8 Manulife Financial Corporation 1.8 Government of Canada 2.75% 12/1/2048 1.7 Alimentation Couche-Tard Inc., Subordinated Voting, B 1.5 Province of Ontario 4.60% 6/2/2039 1.5 Total 29.6 Total investments: 165 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 38.1 U.S. Equity 9.3 International Equity 3.5 Bonds 37.1 Other Assets 0.2 Cash & Equiv. 11.8 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,476.66 on December 31, 2014. This works out to an average of 6.75% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 14 12 10 8 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 16 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Income Balanced Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 17

Ideal Income Balanced Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.83 100/100 3.11 GLWB 2.79 75/100 Platinum No-Load 2.12 100/100 Platinum No-Load 2.42 GLWB Platinum No-Load 2.26 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 18

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Russell Income Essentials Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $18.05 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.26 $13.75 426,862 100/100 $1,000 3.60 $13.58 176,845 GLWB $25,000 3.35 $11.37 21,546 Portfolio Turnover Rate: 23.30% Manager of the underlying funds: Russell Investments Canada Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests primarily in fixed income. The Fund also invests in some Canadian and foreign equities. The Fund currently invests most of its assets in units of the Russell Income Essentials Portfolio. Top 10 investments (of the underlying fund as of December 31, 2014) % Russell Focused US Equity Pool 7.0 Russell Focused Global Equity Pool 6.0 Russell Canadian Dividend Pool 5.0 Russell Focused Canadian Equity Pool 5.0 Russell Overseas Equity Pool 5.0 Russell Fixed Income Pool 42.0 Russell Global Unconstrained Bond Pool 10.0 Russell Short Term Income Pool 10.0 Russell Global Income Bond Pool 6.0 Russell Global Infrastructure Pool 2.0 Russell Global Real Estate Pool 2.0 Total 100.0 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 10.2 International Equity 21.6 Canadian Fixed Income 62.4 International Fixed Income 6.0 Other net assets -0.2 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,375.13 on December 31, 2014. This works out to an average of 5.48% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 14 12 10 8 6 4 2 0-2 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 19

Ideal Russell Income Essentials Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 20

Ideal Russell Income Essentials Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.26 100/100 3.60 GLWB 3.35 75/100 Platinum No-Load 2.80 100/100 Platinum No-Load 3.06 GLWB Platinum No-Load 2.93 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 21

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 10, 2000 Total Fund Value: $1.26 billion Portfolio Turnover Rate: 56.03% Series Option Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Monthly Income Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.78 $16.60 11,513,587 100/100 $1,000 3.07 $16.37 11,433,524 GLWB $25,000 2.77 $12.79 2,946,202 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of equities and fixed income. The equities and fixed income are Canadian and/or foreign. Top 10 investments (as of December 31, 2014) % Cash and cash equivalents 4.7 Toronto-Dominion Bank, (The) 3.5 Royal Bank of Canada 3.4 Bank of Nova Scotia, (The) 3.0 ishares, MSCI EAFE ETF 2.4 Canadian National Railway Company 2.3 ishares, S&P/TSX 60 Index Fund 2.3 Manulife Financial Corporation 2.2 Alimentation Couche-Tard Inc., Subordinated Voting, B 2.0 TELUS Corporation 1.9 Total 27.6 Total investments: 175 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,659.91 on December 31, 2014. This works out to an average of 8.87% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 51.1 U.S. Equity 14.6 International Equity 4.6 Bonds 24.8 Other Assets 0.3 Cash & Equiv. 4.7 15 10 5 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 22 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Monthly Income Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential for capital growth and some income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 23

Ideal Monthly Income Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.78 100/100 3.07 GLWB 2.77 75/100 Platinum No-Load 2.06 100/100 Platinum No-Load 2.39 GLWB Platinum No-Load 2.35 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 24

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Fidelity Monthly Income Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: May 2, 2011 Date Fund Created: May 2, 2011 Total Fund Value: $283.18 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.19 $12.50 3,465,161 100/100 $1,000 3.46 $12.40 3,146,235 GLWB $25,000 3.16 $12.51 1,779,614 Portfolio Turnover Rate: 1.62% Manager of the underlying fund: Fidelity Investments Canada ULC Pyramis Global Advisors, LLC WHAT DOES THE FUND INVEST IN? The Fund invests mostly in a mix of Canadian equities and bonds. The Fund also invests in US bonds. The Fund invests either directly or through one or more underlying funds. Top 10 investments (of the underlying fund as of December 31, 2014) % Pepco Holdings 1.8 Safeway 1.8 TRW Automotive Holdings 1.4 IBM Information 1.3 Imperial Tobacco Group 1.3 Fairfax Financial Holdings 1.3 CGI 1.3 Rogers Communication 1.2 Toronto-Dominion Bank 1.2 Protective Life 1.1 Total 13.6 Total investments: 2274 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 23.0 Convertibles 4.6 Foreign Equity 22.0 Canadian Bonds 23.8 Foreign Bonds 18.2 Cash & Other 8.3 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on May 2, 2011 has $1,249.64 on December 31, 2014. This works out to an average of 6.27% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since May 2, 2011 for a contractholder who chose the 75/100 Series option. In the last 4 years the Fund was up in value 3 years and down in value 1 year. % 12 10 8 6 4 2 0-2 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 25

Ideal Fidelity Monthly Income Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for a person seeking income and capital growth. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 26

Ideal Fidelity Monthly Income Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.19 100/100 3.46 GLWB 3.16 75/100 Platinum No-Load 2.54 100/100 Platinum No-Load 2.90 GLWB Platinum No-Load 2.65 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 27

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 31, 1986 Total Fund Value: $221.01 million Portfolio Turnover Rate: 74.07% Series Option Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Balanced Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.85 $13.82 739,097 100/100 $1,000 3.12 $13.64 1,583,285 GLWB $25,000 2.79 $11.31 489,267 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of equities and fixed income. The equities are Canadian and foreign. Top 10 investments (as of December 31, 2014) % Cash and cash equivalents 10.6 Government of Canada 3.25% 6/1/2021 3.3 Toronto-Dominion Bank, (The) 2.6 Canada Housing Trust No. 1 1.39% 9/15/2017 2.5 Royal Bank of Canada 2.5 Bank of Nova Scotia, (The) 1.9 Alimentation Couche-Tard Inc., Subordinated Voting, B 1.9 ishares, S&P/TSX 60 Index Fund 1.8 Canadian Natural Resources Limited 1.7 Canada Housing Trust No. 1 1.70% 12/15/2017 1.6 Total 30.4 Total investments: 181 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,381.96 on December 31, 2014. This works out to an average of 5.57% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 15 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 34.9 U.S. Equity 14.8 International Equity 7.4 Bonds 32.1 Other Assets 0.1 Cash & Equiv. 10.6 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 28 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Balanced Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 29

Ideal Balanced Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.85 100/100 3.12 GLWB 2.79 75/100 Platinum No-Load 2.16 100/100 Platinum No-Load 2.43 GLWB Platinum No-Load 2.49 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 30

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Fidelity Canadian Balanced Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $146.64 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.15 $16.91 1,808,231 100/100 $1,000 3.49 $16.65 2,458,745 GLWB $25,000 3.15 $12.27 1,147,558 Portfolio Turnover Rate: 4.32% Manager of the underlying fund: Fidelity Investments Canada ULC Pyramis Global Advisors, LLC WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of fixed income, equities and money market. The Fund invests primarily in Canada. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Fidelity Canadian Balanced Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Valeant Pharmaceuticals 4.0 Royal Bank of Canada 3.5 Toronto-Dominion Bank 3.1 Canadian Pacific Railway 2.8 Magna International 2.7 Restaurant Brands International 2.4 Brookfield Asset Management 2.0 Gildan Activewear 1.9 Spirit Airlines 1.8 Loblaw 1.5 Total 25.8 Total investments: 1027 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,690.95 on December 31, 2014. This works out to an average of 9.20% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 25 20 15 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 37.7 Foreign Equity 13.0 Canadian Bonds 34.2 Foreign Bonds 11.2 Cash & Other 3.9 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 31

Ideal Fidelity Canadian Balanced Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 32

Ideal Fidelity Canadian Balanced Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.15 100/100 3.49 GLWB 3.15 75/100 Platinum No-Load 2.46 100/100 Platinum No-Load 2.85 GLWB Platinum No-Load 2.67 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 33

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Fidelity Canadian Asset Allocation Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $40.73 million Portfolio Turnover Rate: 15.09% Manager of the underlying fund: Fidelity Investments Canada ULC Pyramis Global Advisors, LLC Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.26 $15.20 1,024,561 100/100 $1,000 3.54 $15.00 1,545,587 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of fixed income, equities and money market. The Fund invests primarily in Canada. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Fidelity Canadian Asset Allocation Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Royal Bank of Canada 3.9 Toronto-Dominion Bank 3.6 Enbridge 3.0 ishares Core S&P 500 ETF 2.7 Constellation Software 2.2 Canadian Natural Resources 2.0 Loblaw 1.6 Bank of Nova Scotia 1.5 BCE 1.5 Manulife 1.5 Total 23.4 Total investments: 1133 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 46.3 Convertibles 1.0 Foreign Equity 19.8 Canadian Bonds 22.1 Foreign Bonds 5.3 Cash & Other 5.5 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,520.43 on December 31, 2014. This works out to an average of 7.28% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 25 20 15 10 5 0-5 -10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 34 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Fidelity Canadian Asset Allocation Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 35

Ideal Fidelity Canadian Asset Allocation Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.26 100/100 3.54 75/100 Platinum No-Load 2.65 100/100 Platinum No-Load 2.96 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 36

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Russell Diversified Monthly Income Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $18.00 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.43 $15.10 127,728 100/100 $1,000 3.66 $14.88 135,277 GLWB $25,000 3.48 $11.74 285,253 Portfolio Turnover Rate: 10.77% Manager of the underlying funds: Russell Investments Canada Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests primarily in Canadian and foreign equities. The Fund also invests in some fixed income. The Fund currently invests most of its assets in units of the Russell Diversified Monthly Income Portfolio. Top 10 investments (of the underlying fund as of December 31, 2014) % Russell Canadian Equity Pool 18.0 Russell US Equity Pool 10.0 Russell Overseas Equity Pool 9.0 Russell Global Equity Pool 8.0 Russell Emerging Markets Equity Pool 3.0 Russell Smaller Companies Pool 3.0 Russell Fixed Income Pool 33.0 Russell Global Income Bond Pool 5.0 Russell Global Unconstrained Bond Pool 5.0 Russell Global Infrastructure Pool 3.0 Russell Global Real Estate Pool 3.0 Total 100.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,509.82 on December 31, 2014. This works out to an average of 7.15% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 15 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 20.7 International Equity 36.6 Canadian Fixed Income 37.8 International Fixed Income 5.0 Other net assets -0.1 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 37

Ideal Russell Diversified Monthly Income Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 38

Ideal Russell Diversified Monthly Income Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.43 100/100 3.66 GLWB 3.48 75/100 Platinum No-Load 2.73 100/100 Platinum No-Load 3.20 GLWB Platinum No-Load 2.97 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 39

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $4.48 million Portfolio Turnover Rate: 16.94% Series Option The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Templeton Global Balanced Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.40 $15.03 125,989 100/100 $1,000 3.72 $14.84 147,144 Manager of the underlying fund: Primary advisor: Franklin Templeton Investments Corp. Sub-advisors: Franklin Advisers, Inc. (fixed income) Templeton Global Advisors Limited (equity) WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of equities and fixed income around the world. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Templeton Global Balanced Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Government of Hungary, Senior Note 5.38% 3/25/2024 2.6 Government of Mexico 7.25% 12/15/2016 2.5 Korea Monetary Stabilization Bond, Senior Note 2.76% 6/2/2015 1.9 Samsung Electronics Co. Ltd. 1.5 Comcast Corp., Special A 1.4 Government of Serbia 7.25% 9/28/2021 1.3 Foot Locker Inc. 1.2 Macy's Inc. 1.2 Amgen Inc. 1.2 Teva Pharmaceutical Industries Ltd., American Depositary Receipt 1.1 Total 15.9 Total investments: 323 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,503.16 on December 31, 2014. This works out to an average of 7.07% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 15 Investment Segmentation (as of December 31, 2014) % Assets Equity 68.9 Fixed Income 23.9 Cash & Cash Equivalents 7.2 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 40 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Templeton Global Balanced Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and income. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 41

Ideal Templeton Global Balanced Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.40 100/100 3.72 75/100 Platinum No-Load 2.99 100/100 Platinum No-Load 3.25 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 42

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $14.56 million Portfolio Turnover Rate: 13.94% Manager of the underlying fund: Primary advisor: Invesco Canada Series Option Sub-advisor: Invesco Advisers, Inc. Invesco Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Trimark Global Balanced Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.29 $16.56 212,833 100/100 $1,000 3.59 $16.30 202,461 GLWB $25,000 3.30 $13.48 491,320 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of equities and fixed income around the world. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Trimark Global Balanced Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % WellPoint, Inc. 4.2 Microsoft Corp. 4.1 Hyundai Mobis Co., Ltd. 3.5 Ross Stores, Inc. 3.3 Cisco Systems, Inc. 3.2 Medtronic, Inc. 3.2 Oracle Corp. 2.8 McGraw Hill Financial, Inc. 2.5 DCC PLC 2.3 Zimmer Holdings, Inc. 2.3 Total 31.4 Total investments: 141 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,656.33 on December 31, 2014. This works out to an average of 8.83% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 25 20 Investment Segmentation (as of December 31, 2014) % Assets Foreign equity 40.4 U.S. equity 29.8 Fixed income 27.7 Cash, cash equivalents and money 1.6 market funds Other net assets 0.6 15 10 5 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 43

Ideal Trimark Global Balanced Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 44

Ideal Trimark Global Balanced Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.29 100/100 3.59 GLWB 3.30 75/100 Platinum No-Load 2.77 100/100 Platinum No-Load 2.88 GLWB Platinum No-Load 2.78 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 45

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Fidelity Global Asset Allocation Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $6.06 million Portfolio Turnover Rate: 54.55% Manager of the underlying fund: Fidelity Investments Canada ULC Pyramis Global Advisors, LLC Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.37 $15.63 124,200 100/100 $1,000 3.68 $15.45 248,331 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in equities, fixed income and money market. The Fund invests primarily around the world. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Fidelity Global Asset Allocation Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Apple 1.8 Microsoft 1.7 Johnson & Johnson 1.5 Wal-Mart 1.5 China Pacific Insurance 1.5 Citigroup 1.3 Roche Holding 1.3 Toyota Motor 1.3 Walt Disney 1.3 U.S. Bancorp 1.3 Total 14.4 Total investments: 1105 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,563.47 on December 31, 2014. This works out to an average of 7.78% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 15 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 1.2 Foreign Equity 63.5 Investment Grade Bonds 24.7 Non-Investment Grade Bonds 2.4 Cash & Other 8.1 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 46 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Fidelity Global Asset Allocation Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth and some income. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 47

Ideal Fidelity Global Asset Allocation Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.37 100/100 3.68 75/100 Platinum No-Load 2.97 100/100 Platinum No-Load 3.16 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 48

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Dividend Income Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 15, 2007 Total Fund Value: $357.84 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.84 $18.72 2,726,082 100/100 $1,000 3.07 $18.47 2,687,830 Portfolio Turnover Rate: 4.78% Manager of the underlying fund: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of Canadian and foreign equities. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of it assets in units of the Standard Life Dividend Income Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Royal Bank of Canada 5.4 Toronto-Dominion Bank, (The) 5.3 Bank of Nova Scotia, (The) 4.6 Manulife Financial Corporation 3.1 TELUS Corporation 2.9 Home Depot Inc., (The) 2.3 Enbridge Inc. 2.2 Rogers Communications Inc., B 2.2 AltaGas Ltd. 2.1 Cineplex Inc. 2.1 Total 32.4 Total investments: 50 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,871.92 on December 31, 2014. This works out to an average of 11.08% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 25 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 70.5 U.S. Equity 19.3 International Equity 8.4 Other Assets 0.5 Cash & Equiv. 1.3 20 15 10 5 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 49

Ideal Dividend Income Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 50

Ideal Dividend Income Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.84 100/100 3.07 75/100 Platinum No-Load 2.28 100/100 Platinum No-Load 2.51 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 51

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Fidelity Dividend Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: May 2, 2011 Date Fund Created: May 2, 2011 Total Fund Value: $41.17 million Portfolio Turnover Rate: 10.06% Manager of the underlying fund: Fidelity Investments Canada ULC Pyramis Global Advisors, LLC Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.30 $12.29 556,799 100/100 $1,000 3.60 $12.17 1,210,463 WHAT DOES THE FUND INVEST IN? The Fund invests mostly in equities. The Fund also invests in bonds. The Fund invests either directly or through one or more underlying funds. Top 10 investments (of the underlying fund as of December 31, 2014) % Toronto-Dominion Bank 6.1 Sigma-Aldrich 4.3 Pepco Holdings 3.8 Safeway 3.2 Royal Bank of Canada 3.0 Suncor Energy 2.7 Manulife 2.7 Rogers Communication 2.1 Loblaw 2.0 CVS Health 1.9 Total 31.7 Total investments: 593 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on May 2, 2011 has $1,228.97 on December 31, 2014. This works out to an average of 5.79% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since May 2, 2011 for a contractholder who chose the 75/100 Series option. In the last 4 years the Fund was up in value 3 years and down in value 1 year. % 15 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 52.6 Foreign Equity 24.9 Canadian Bonds 4.4 Cash & Other 18.2 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 52 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Fidelity Dividend Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for a person seeking high total investment return. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 53

Ideal Fidelity Dividend Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.30 100/100 3.60 75/100 Platinum No-Load 2.70 100/100 Platinum No-Load 3.01 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 54

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Canadian Dividend Growth Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 21, 1998 Total Fund Value: $543.31 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.83 $17.27 3,133,403 100/100 $1,000 3.07 $17.04 4,975,131 Portfolio Turnover Rate: 6.70% Manager of the underlying fund: Manulife Asset Management Limited Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of Canadian equities. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Canadian Dividend Growth Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Royal Bank of Canada 5.5 Toronto-Dominion Bank, (The) 5.4 Bank of Nova Scotia, (The) 4.7 Canadian National Railway Company 3.7 TELUS Corporation 3.6 Manulife Financial Corporation 3.6 AbbVie Inc. 2.5 Enbridge Inc. 2.5 Vermilion Energy Inc. 2.4 Dollarama Inc. 2.4 Total 36.3 Total investments: 58 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,726.91 on December 31, 2014. This works out to an average of 9.59% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 25 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 73.7 U.S. Equity 17.5 International Equity 7.8 Other Assets 0.1 Cash & Equiv. 0.9 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 55

Ideal Canadian Dividend Growth Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 56

Ideal Canadian Dividend Growth Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.83 100/100 3.07 75/100 Platinum No-Load 2.27 100/100 Platinum No-Load 2.49 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 57

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 31, 1986 Total Fund Value: $186.77 million Portfolio Turnover Rate: 26.27% Series Option Managed by: Primary advisor: The Manufacturers Life Insurance Company Sub-advisor: Manulife Asset Management Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Canadian Equity Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.84 $17.92 825,211 100/100 $1,000 3.13 $17.68 1,216,385 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of equities. The Fund invests primarily in Canada. Top 10 investments (as of December 31, 2014) % Toronto-Dominion Bank, (The) 5.3 Royal Bank of Canada 5.0 Bank of Nova Scotia, (The) 4.2 Canadian National Railway Company 3.9 Manulife Financial Corporation 3.6 Alimentation Couche-Tard Inc., Subordinated Voting, B 3.2 Canadian Natural Resources Limited 3.2 Suncor Energy Inc. 2.9 Valeant Pharmaceuticals International, Inc. 2.4 Enbridge Inc. 2.2 Total 35.9 Total investments: 69 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,791.64 on December 31, 2014. This works out to an average of 10.27% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 30 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 68.5 U.S. Equity 23.9 International Equity 6.3 Other Assets 0.0 Cash & Equiv. 1.4 20 10 0-10 -20 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 58 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Canadian Equity Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 59

Ideal Canadian Equity Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.84 100/100 3.13 75/100 Platinum No-Load 2.23 100/100 Platinum No-Load 2.52 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 60

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Canadian Small Cap Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 10, 2000 Total Fund Value: $95.25 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.90 $19.88 631,772 100/100 $1,000 3.13 $19.62 765,885 Portfolio Turnover Rate: 13.74% Manager of the underlying fund: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of Canadian equities. The Fund invests in small companies. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Canadian Small Cap Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % ATS Automation Tooling Systems Inc. 3.8 Boyd Group Income Fund 3.7 Stella-Jones Inc. 3.6 Descartes Systems Group Inc., (The) 3.6 Parkland Fuel Corporation 3.5 FirstService Corporation, Subordinated Voting 3.4 CCL Industries Inc., Non-voting, B 3.4 Equitable Group Inc. 3.3 Enghouse Systems Limited 3.3 Interfor Corporation 3.3 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,988.26 on December 31, 2014. This works out to an average of 12.21% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Total 34.6 Total investments: 50 % 60 40 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 95.2 U.S. Equity 0.9 International Equity 0.7 Other Assets 0.2 Cash & Equiv. 2.9 0-20 -40 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 61

Ideal Canadian Small Cap Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth. They are comfortable with the risks of investing in small cap equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 62

Ideal Canadian Small Cap Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.90 100/100 3.13 75/100 Platinum No-Load 2.29 100/100 Platinum No-Load 2.52 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 63

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 15, 2007 Total Fund Value: $268.87 million Portfolio Turnover Rate: 1.83% Series Option Manager of the underlying fund: Primary Advisor: Manulife Asset Management Limited Sub-advisor: Standard Life Investments (USA) Limited The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal U.S. Dividend Growth Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.84 $19.65 1,895,498 100/100 $1,000 3.07 $19.39 2,258,409 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of U.S. equities. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life U.S. Dividend Growth Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Cash and cash equivalents 3.9 Apple Inc. 3.6 Wells Fargo & Company 2.8 Microsoft Corporation 2.7 J.P. Morgan Chase & Co. 2.6 Merck & Co., Inc. 2.6 CVS Caremark Corporation 2.5 PepsiCo Inc. 2.5 AbbVie Inc. 2.5 Comcast Corporation, A 2.4 Total 28.1 Total investments: 59 Investment Segmentation (as of December 31, 2014) % Assets U.S. Equity 92.3 International Equity 4.1 Other Assets -0.4 Cash & Equiv. 3.9 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,965.21 on December 31, 2014. This works out to an average of 11.99% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 35 30 25 20 15 10 5 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 64 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal U.S. Dividend Growth Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in U.S. equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 65

Ideal U.S. Dividend Growth Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.84 100/100 3.07 75/100 Platinum No-Load 2.28 100/100 Platinum No-Load 2.50 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 66

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal U.S. Equity Value Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 21, 1998 Total Fund Value: $155.81 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.99 $21.29 896,130 100/100 $1,000 3.22 $21.00 877,221 Portfolio Turnover Rate: 3.43% Manager of the underlying fund: Beutel, Goodman & Company Ltd. WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of equities on U.S. exchanges. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life U.S. Equity Value Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Oracle Corporation 6.8 Baxter International Inc. 6.2 J.P. Morgan Chase & Co. 5.5 Verizon Communications Inc. 5.5 BB&T Corporation 5.4 Symantec Corporation 5.4 Eli Lilly and Company 4.7 Cash and cash equivalents 4.4 Amdocs Limited 4.2 Bemis Company Inc. 4.1 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $2,128.92 on December 31, 2014. This works out to an average of 13.50% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Total 52.4 Total investments: 28 % 40 30 20 Investment Segmentation (as of December 31, 2014) % Assets U.S. Equity 86.7 International Equity 10.4 Other Assets -1.6 Cash & Equiv. 4.4 10 0-10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 67

Ideal U.S. Equity Value Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in U.S. equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 68

Ideal U.S. Equity Value Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.99 100/100 3.22 75/100 Platinum No-Load 2.32 100/100 Platinum No-Load 2.54 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 69

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 10, 2005 Total Fund Value: $246.92 million Portfolio Turnover Rate: 2.61% Series Option Manager of the underlying fund: Primary advisor: Manulife Asset Management Limited Sub-advisor: Standard Life Investments Limited (UK) The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Global Dividend Growth Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.84 $17.31 1,421,925 100/100 $1,000 3.07 $17.08 1,516,858 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of global equities. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Global Dividend Growth Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Eli Lilly and Company 2.4 CMS Energy Corporation 2.3 BT Group plc 2.2 Zurich Insurance Group AG 2.1 CVS Caremark Corporation 2.0 Pfizer Inc. 2.0 AbbVie Inc. 2.0 HSBC Holdings PLC 2.0 Home Depot Inc., (The) 2.0 Altria Group Inc. 2.0 Total 21.0 Total investments: 76 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,730.99 on December 31, 2014. This works out to an average of 9.63% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 40 30 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 0.5 U.S. Equity 40.1 International Equity 55.8 Bonds 2.0 Other Assets 0.1 Cash & Equiv. 1.6 20 10 0-10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 70 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Global Dividend Growth Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth. The Fund may also be right for people seeking some potential income. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 71

Ideal Global Dividend Growth Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.84 100/100 3.07 75/100 Platinum No-Load 2.29 100/100 Platinum No-Load 2.51 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 72

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Global Equity Fund As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: October 10, 2000 Total Fund Value: $43.00 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.99 $20.38 319,318 100/100 $1,000 3.22 $20.11 246,672 Portfolio Turnover Rate: 16.02% Manager of the underlying fund: Primary advisor: Manulife Asset Management Limited Sub-advisor: Standard Life Investments Limited (UK) WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of equities. The equities are made up of multinational companies throughout the world. The Fund invests either directly or through one or more underlying funds. The Fund currently invests most of its assets in units of the Standard Life Global Equity Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Cash and cash equivalents 3.4 Celgene Corporation 2.0 Alimentation Couche-Tard Inc., Subordinated Voting, B 2.0 Roche Holdings AG 2.0 Visteon Corporation 1.9 Charles Schwab Corporation, (The) 1.8 Illumina, Inc. 1.7 First Republic Bank 1.7 Barclays Bank PLC 1.7 Deutsche Telekom AG 1.7 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $2,037.65 on December 31, 2014. This works out to an average of 12.67% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Total 19.9 Total investments: 87 % 40 30 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 4.0 U.S. Equity 49.6 International Equity 42.9 Other Assets 0.2 Cash & Equiv. 3.4 10 0-10 -20 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 73

Ideal Global Equity Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 74

Ideal Global Equity Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.99 100/100 3.22 75/100 Platinum No-Load 2.39 100/100 Platinum No-Load 2.60 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 75

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: December 21, 1998 Total Fund Value: $30.72 million Portfolio Turnover Rate: 11.13% Series Option Manager of the underlying fund: Primary advisor: Manulife Asset Management Limited Sub-advisor: Standard Life Investments Limited (UK) The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal International Equity Fund As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.14 $13.83 213,201 100/100 $1,000 3.37 $13.64 198,505 WHAT DOES THE FUND INVEST IN? The Fund invests primarily in a mix of equities. The Fund invests in international companies. The Fund invests either directly or through one or more underlying fund. The Fund currently invests most of its assets in units of the Standard Life International Equity Fund. Top 10 investments (of the underlying fund as of December 31, 2014) % Cash and cash equivalents 2.5 Roche Holdings AG 2.2 International Consolidated Airlines Group, S.A. 2.1 HSBC Holdings PLC 2.0 Ryanair Holdings plc 1.9 BT Group plc 1.8 Mazda Motor Corporation 1.8 Danske Bank A/S 1.8 Nokia Corporation 1.7 Zurich Insurance Group AG 1.7 Total 19.5 Total investments: 86 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,382.68 on December 31, 2014. This works out to an average of 5.58% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 4 years and down in value 2 years. % 30 20 Investment Segmentation (as of December 31, 2014) % Assets International Equity 97.2 Other Assets 0.3 Cash & Equiv. 2.5 10 0-10 -20 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 76 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal International Equity Fund ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in international equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 77

Ideal International Equity Fund 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.14 100/100 3.37 75/100 Platinum No-Load 2.47 100/100 Platinum No-Load 2.69 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 78

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Conservative Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 6, 2003 Total Fund Value: $374.10 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.75 $13.61 4,663,617 100/100 $1,000 2.99 $13.43 3,157,906 GLWB $25,000 2.74 $12.00 592,207 Portfolio Turnover Rate: 45.04% Manager of the underlying funds: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign fixed income. The Fund also invests a smaller portion of its assets in Canadian and foreign equities. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 33.9 Standard Life Dividend Income Fund 12.3 Standard Life International Equity Fund 6.8 Standard Life Global Bond Fund 6.4 Standard Life U.S. Dividend Growth Fund 6.4 Standard Life Corporate Bond Fund 6.0 Standard Life Short Term Bond Fund 5.8 Standard Life Canadian Equity Value Fund 5.7 Standard Life Global Equity Value Fund 5.5 Standard Life Yield Bond Fund 4.4 Total 93.3 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,361.07 on December 31, 2014. This works out to an average of 5.30% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 8 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 13.8 U.S. Equity 12.4 International Equity 11.4 Bonds 58.6 Fund Units 0.4 Other Assets 0.1 Cash & Equiv. 3.3 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 79

Ideal Conservative Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential to maintain their capital. They are also seeking some potential income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 80

Ideal Conservative Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.75 100/100 2.99 GLWB 2.74 75/100 Platinum No-Load 2.10 100/100 Platinum No-Load 2.32 GLWB Platinum No-Load 2.31 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 81

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 6, 2003 Total Fund Value: $389.04 million Portfolio Turnover Rate: 55.96% Manager of the underlying funds: Manulife Asset Management Limited Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.81 $14.25 4,006,953 100/100 $1,000 3.05 $14.06 4,113,498 GLWB $25,000 2.81 $12.32 880,009 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign fixed income. The Fund also invests a smaller portion of its assets in Canadian and foreign equities. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 16.5 Standard Life Corporate Bond Fund 14.3 Standard Life Dividend Income Fund 13.1 Standard Life Global Bond Fund 6.3 Standard Life U.S. Dividend Growth Fund 5.8 Standard Life Canadian Equity Value Fund 5.2 Standard Life Global Dividend Growth Fund 5.0 Standard Life Short Term Bond Fund 4.9 Standard Life Yield Bond Fund 4.4 Standard Life Emerging Markets Debt Fund 4.3 Total 79.9 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,424.75 on December 31, 2014. This works out to an average of 6.11% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 10 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 16.8 U.S. Equity 17.1 International Equity 13.3 Bonds 48.8 Fund Units 0.4 Other Assets 0.5 Cash & Equiv. 3.2 8 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 82 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 83

Ideal Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.81 100/100 3.05 GLWB 2.81 75/100 Platinum No-Load 2.16 100/100 Platinum No-Load 2.38 GLWB Platinum No-Load 2.38 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 84

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Growth Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 6, 2003 Total Fund Value: $232.10 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.90 $15.72 2,299,777 100/100 $1,000 3.15 $15.50 2,273,502 GLWB $25,000 2.90 $12.44 1,436,370 Portfolio Turnover Rate: 66.81% Manager of the underlying funds: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign equities. The Fund also invests a smaller portion of its assets in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Equity Fund 11.2 Standard Life Global Equity Fund 9.3 Standard Life U.S. Equity Value Fund 7.4 Standard Life Global Bond Fund 7.2 Standard Life Canadian Equity Value Fund 7.1 Standard Life Dividend Income Fund 6.5 Standard Life Corporate Bond Fund 6.0 Standard Life U.S. Dividend Growth Fund 5.3 Standard Life Yield Bond Fund 5.2 Standard Life Emerging Markets Debt Fund 5.2 Total 70.3 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,571.71 on December 31, 2014. This works out to an average of 7.87% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 24.1 U.S. Equity 23.9 International Equity 19.1 Bonds 28.4 Fund Units 0.5 Other Assets 0.2 Cash & Equiv. 3.8 % 20 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 85

Ideal Growth Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 86

Ideal Growth Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.90 100/100 3.15 GLWB 2.90 75/100 Platinum No-Load 2.25 100/100 Platinum No-Load 2.47 GLWB Platinum No-Load 2.47 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 87

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Dividend Growth & Income Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $148.69 million Portfolio Turnover Rate: 63.00% Manager of the underlying funds: Manulife Asset Management Limited Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.97 $15.68 1,630,094 100/100 $1,000 3.20 $15.47 1,113,347 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of dividend growth and monthly income funds. The Fund invests in Canadian and foreign equities. The Fund also invests in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Dividend Income Fund 30.9 Standard Life Global Dividend Growth Fund 23.6 Standard Life U.S. Dividend Growth Fund 6.5 Standard Life Yield Bond Fund 5.2 Standard Life Emerging Markets Debt Fund 5.1 Standard Life Global Real Estate Fund 4.5 Standard Life Canadian Equity Value Fund 4.3 Standard Life U.S. Monthly Income Fund 4.2 Standard Life Canadian Bond Fund 3.6 Standard Life Corporate Bond Fund 3.5 Total 91.4 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,567.85 on December 31, 2014. This works out to an average of 7.83% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 25.8 U.S. Equity 25.9 International Equity 20.4 Bonds 24.0 Fund Units 0.3 Other Assets 0.6 Cash & Equiv. 3.0 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 88 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Dividend Growth & Income Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 89

Ideal Dividend Growth & Income Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.97 100/100 3.20 75/100 Platinum No-Load 2.31 100/100 Platinum No-Load 2.52 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 90

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Aggressive Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 6, 2003 Total Fund Value: $63.73 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.94 $16.47 873,111 100/100 $1,000 3.17 $16.25 638,713 Portfolio Turnover Rate: 77.64% Manager of the underlying funds: Manulife Asset Management Limited WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign equities. The Fund also invests a smaller portion of its assets in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Equity Fund 11.9 Standard Life U.S. Equity Value Fund 11.5 Standard Life Global Equity Fund 9.8 Standard Life Canadian Equity Value Fund 7.5 Standard Life Dividend Income Fund 6.2 Standard Life U.S. Dividend Growth Fund 5.9 Standard Life Emerging Markets Debt Fund 5.3 Standard Life Yield Bond Fund 5.3 Standard Life Emerging Markets Dividend Fund 4.9 Standard Life Canadian Small Cap Fund 4.9 Total 73.2 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,647.29 on December 31, 2014. This works out to an average of 8.73% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 26.9 U.S. Equity 27.8 International Equity 21.9 Bonds 19.2 Fund Units 0.5 Other Assets 0.4 Cash & Equiv. 3.3 15 10 5 0-5 -10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 91

Ideal Aggressive Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 92

Ideal Aggressive Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.94 100/100 3.17 75/100 Platinum No-Load 2.27 100/100 Platinum No-Load 2.49 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 93

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Select Conservative Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $27.10 million Portfolio Turnover Rate: 60.72% Manager of the underlying funds: Multi-Managers Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.86 $13.47 500,052 100/100 $1,000 3.09 $13.32 392,248 GLWB $25,000 2.86 $11.91 196,446 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign fixed income. The Fund also invests a smaller portion of its assets in Canadian and foreign equities. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 34.7 Standard Life Global Bond Fund 17.3 Standard Life Corporate Bond Fund 17.3 Fidelity True North Fund, Series O 7.9 Standard Life Dividend Income Fund 7.3 Standard Life Global Equity Fund 5.0 Templeton Global Stock Trust, Series O 4.9 Standard Life U.S. Equity Value Fund 2.7 Invesco International Growth Fund 2.5 Cash and cash equivalents 0.3 Total 100.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,347.30 on December 31, 2014. This works out to an average of 5.12% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 8 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 5.4 U.S. Equity 6.3 International Equity 3.1 Bonds 66.6 Fund Units 15.3 Other Assets -0.1 Cash & Equiv. 3.5 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 94 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Select Conservative Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential to maintain their capital. They are also seeking some potential income. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 95

Ideal Select Conservative Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.86 100/100 3.09 GLWB 2.86 75/100 Platinum No-Load 2.31 100/100 Platinum No-Load 2.47 GLWB Platinum No-Load 2.44 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 96

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Select Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $52.90 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 2.97 $14.24 829,161 100/100 $1,000 3.19 $14.06 847,153 GLWB $25,000 2.96 $12.18 284,103 Portfolio Turnover Rate: 55.75% Manager of the underlying funds: Multi-Managers WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign fixed income. The Fund also invests a smaller portion of its assets in Canadian and foreign equities. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 29.9 Standard Life Global Bond Fund 14.8 Standard Life Corporate Bond Fund 14.8 Fidelity True North Fund, Series O 10.5 Standard Life Dividend Income Fund 9.8 Standard Life Global Equity Fund 7.1 Templeton Global Stock Trust, Series O 6.9 Standard Life U.S. Equity Value Fund 3.2 Invesco International Growth Fund 3.0 Cash and cash equivalents 0.0 Total 100.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,423.59 on December 31, 2014. This works out to an average of 6.10% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 7.2 U.S. Equity 8.2 International Equity 4.2 Bonds 57.0 Fund Units 20.4 Other Assets 0.1 Cash & Equiv. 2.9 % 12 10 8 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 97

Ideal Select Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 98

Ideal Select Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 2.97 100/100 3.19 GLWB 2.96 75/100 Platinum No-Load 2.40 100/100 Platinum No-Load 2.62 GLWB Platinum No-Load 2.55 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 99

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Select Growth Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $49.10 million Portfolio Turnover Rate: 54.58% Manager of the underlying funds: Multi-Managers Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.11 $16.07 523,549 100/100 $1,000 3.37 $15.86 588,896 GLWB $25,000 3.09 $12.61 619,147 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign equities. The Fund also invests a smaller portion of its assets in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 20.2 Fidelity True North Fund, Series O 15.5 Standard Life Dividend Income Fund 14.4 Standard Life Global Equity Fund 10.0 Templeton Global Stock Trust, Series O 9.9 Standard Life Global Bond Fund 9.9 Standard Life Corporate Bond Fund 9.8 Standard Life U.S. Equity Value Fund 5.3 Invesco International Growth Fund 5.0 Cash and cash equivalents 0.0 Total 100.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,607.33 on December 31, 2014. This works out to an average of 8.28% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 10.6 U.S. Equity 12.4 International Equity 6.1 Bonds 37.9 Fund Units 30.3 Other Assets 0.4 Cash & Equiv. 2.3 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 100 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Select Growth Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential capital growth and some income. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 101

Ideal Select Growth Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.11 100/100 3.37 GLWB 3.09 75/100 Platinum No-Load 2.52 100/100 Platinum No-Load 2.77 GLWB Platinum No-Load 2.62 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 102

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Select Dividend Growth & Income Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $43.99 million Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.16 $16.27 519,173 100/100 $1,000 3.41 $16.05 455,414 Portfolio Turnover Rate: 72.04% Manager of the underlying funds: Multi-Managers WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of dividend growth and monthly income funds. The Fund invests in Canadian and foreign equities. The Fund also invests in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Dividend Income Fund 19.3 Standard Life Canadian Bond Fund 17.4 Fidelity True North Fund, Series O 11.6 Standard Life Global Dividend Growth Fund 9.9 Standard Life Global Bond Fund 8.6 Standard Life Corporate Bond Fund 8.6 Standard Life Global Equity Fund 7.0 Templeton Global Stock Trust, Series O 7.0 Standard Life U.S. Equity Value Fund 5.4 Invesco International Growth Fund 5.0 Total 100.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,627.05 on December 31, 2014. This works out to an average of 8.50% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 13.9 U.S. Equity 15.9 International Equity 10.8 Bonds 33.4 Fund Units 23.5 Other Assets 0.1 Cash & Equiv. 2.3 % 25 20 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 103

Ideal Select Dividend Growth & Income Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 104

Ideal Select Dividend Growth & Income Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.16 100/100 3.41 75/100 Platinum No-Load 2.60 100/100 Platinum No-Load 2.88 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 105

The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Select Aggressive Portfolio As at: December 31, 2014 QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $7.12 million Portfolio Turnover Rate: 56.54% Manager of the underlying funds: Multi-Managers Series Option Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.39 $16.49 106,460 100/100 $1,000 3.55 $16.33 44,770 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests a larger portion of its assets in Canadian and foreign equities. The Fund also invests a smaller portion of its assets in Canadian and foreign fixed income. Top 10 investments (as of December 31, 2014) % Standard Life Canadian Bond Fund 14.9 Fidelity True North Fund, Series O 13.2 Standard Life Dividend Income Fund 12.1 Standard Life U.S. Equity Value Fund 10.9 Standard Life Global Equity Fund 10.0 Templeton Global Stock Trust, Series O 9.9 Invesco International Growth Fund 9.9 Standard Life Global Bond Fund 7.4 Standard Life Corporate Bond Fund 7.3 Standard Life Canadian Small Cap Fund 4.6 Total 100.0 Investment Segmentation (as of December 31, 2014) % Assets Canadian Equity 13.2 U.S. Equity 16.8 International Equity 6.5 Bonds 28.4 Fund Units 32.9 Other Assets -0.1 Cash & Equiv. 2.4 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,649.20 on December 31, 2014. This works out to an average of 8.75% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 25 20 15 10 5 0-5 -10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 106 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Select Aggressive Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential long term capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 107

Ideal Select Aggressive Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.39 100/100 3.55 75/100 Platinum No-Load 2.84 100/100 Platinum No-Load 3.07 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 108

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $80.01 million Portfolio Turnover Rate: 15.19% Series Option Manager of the underlying funds: Primary advisor: Fiduciary Trust Company of Canada Sub-advisor: Templeton Investment Counsel, LLC The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Franklin Quotential Diversified Income Portfolio As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.12 $14.32 1,663,589 100/100 $1,000 3.42 $14.17 1,372,290 GLWB $25,000 3.06 $11.55 598,260 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests primarily in a mix of fixed income and equities. The fixed income is primarily Canadian. The Fund currently invests most of its assets in units of the Franklin Quotential Diversified Income Portfolio. Top 10 investments (of the underlying fund as of December 31, 2014) % Franklin Bissett Bond Fund, Series O 31.1 Templeton Global Bond Fund, Series O 13.1 ishares Intermediate Credit Bond ETF 7.8 Franklin Bissett Canadian Short Term Bond Fund, Series O 6.4 Franklin Strategic Income Fund, Series O 6.1 FTIF Franklin Mutual European Fund, Series I 5.4 Franklin U.S. Rising Dividends Fund, Series O 5.3 Franklin Bissett Canadian Dividend Fund, Series O 3.8 Templeton Emerging Markets Fund, Series O 3.0 Franklin Bissett Canadian Dividend Fund, Series O 2.9 Total 84.8 Investment Segmentation (as of December 31, 2014) % Assets Bonds 49.8 Common Stocks 26.7 Investments in Exchange-Traded 12.3 Funds Short-term securities and all other 5.8 assets, net Other assets (of Underlying Funds) 4.8 Preferred Stocks 0.6 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,432.42 on December 31, 2014. This works out to an average of 6.21% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 6 years. % 14 12 10 8 6 4 2 0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 109

Ideal Franklin Quotential Diversified Income Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and some long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 110

Ideal Franklin Quotential Diversified Income Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.12 100/100 3.42 GLWB 3.06 75/100 Platinum No-Load 2.47 100/100 Platinum No-Load 2.87 GLWB Platinum No-Load 2.48 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 111

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $40.49 million Portfolio Turnover Rate: 11.51% Series Option Manager of the underlying funds: Primary advisor: Fiduciary Trust Company of Canada Sub-advisor: Templeton Investment Counsel, LLC The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Franklin Quotential Balanced Income Portfolio As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.18 $14.98 703,212 100/100 $1,000 3.46 $14.76 491,988 GLWB $25,000 3.07 $11.59 720,244 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests in a mix of equity and fixed income. The equities are Canadian and foreign. The Fund currently invests most of its assets in units of the Franklin Quotential Balanced Income Portfolio. Top 10 investments (of the underlying fund as of December 31, 2014) % Franklin Bissett Bond Fund, Series O 29.7 Templeton Global Bond Fund, Series O 8.9 Franklin Bissett Canadian Equity Fund, Series O 4.6 Franklin U.S. Core Equity Fund, Series O 4.5 Franklin Mutual European Fund, Series I 4.5 Templeton Asian Growth Fund, Series O 4.1 Franklin Flex Cap Growth Fund, Series O 4.0 ishares Intermediate Credit Bond ETF 3.7 WisdomTree Japan Hedged Equity Fund 3.5 Franklin Bissett All Canadian Focus Fund, Series O 3.4 Total 71.0 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,497.50 on December 31, 2014. This works out to an average of 7.00% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 20 Investment Segmentation (as of December 31, 2014) % Assets Common Stocks 38.0 Bonds 37.3 Investments in Exchange-Traded 15.9 Funds Short-term securities and all other 4.9 assets, net Other assets (of Underlying Funds) 3.6 Preferred Stocks 0.3 15 10 5 0-5 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 112 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company

Ideal Franklin Quotential Balanced Income Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and long term capital growth. They are comfortable with the risks of investing in equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 113

Ideal Franklin Quotential Balanced Income Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.18 100/100 3.46 GLWB 3.07 75/100 Platinum No-Load 2.59 100/100 Platinum No-Load 2.90 GLWB Platinum No-Load 2.60 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 114

QUICK FACTS Date Fund Available: January 12, 2009 Date Fund Created: January 12, 2009 Total Fund Value: $53.57 million Portfolio Turnover Rate: 10.60% Series Option Manager of the underlying funds: Primary advisor: Fiduciary Trust Company of Canada Sub-advisor: Templeton Investment Counsel, LLC The Manufacturers Life Insurance Company * Fund Facts Ideal Segregated Funds Signature Series Ideal Franklin Quotential Balanced Growth Portfolio As at: December 31, 2014 Minimum Investment (Savings Plans) MER (%) Net Asset Value Per Unit Number of Units Outstanding Ideal Signature Series 75/100 $1,000 3.34 $16.15 890,035 100/100 $1,000 3.54 $15.93 831,946 GLWB $25,000 3.23 $11.87 807,278 WHAT DOES THE FUND INVEST IN? The Fund invests in a mix of underlying funds. The Fund invests in a mix of Canadian and foreign income and equities. The Fund currently invests most of its assets in units of the Franklin Quotential Balanced Growth Portfolio. Top 10 investments (of the underlying fund as of December 31, 2014) % Franklin Bissett Bond Fund, Series O 19.9 Franklin Bissett Canadian Equity Fund, Series O 6.1 Templeton Global Bond Fund, Series O 6.0 Franklin Mutual European Fund, Series I 6.0 Franklin U.S. Core Equity Fund, Series O 5.9 Templeton Asian Growth Fund, Series O 5.4 Franklin Flex Cap Growth Fund, Series O 5.2 WisdomTree Japan Hedged Equity Fund 4.7 Franklin Bissett All Canadian Focus Fund, Series O 4.6 Franklin U.S. Rising Dividends Fund, Series O 4.4 Total 68.2 Investment Segmentation (as of December 31, 2014) % Assets Common Stocks 50.2 Bonds 25.0 Investments in Exchange-Traded 17.6 Funds Short-term securities and all other 4.1 assets, net Other assets (of Underlying Funds) 2.9 Preferred Stocks 0.3 HOW HAS THE FUND PERFORMED? This section tells you how the Fund has performed for a contractholder who has chosen the 75/100 Series option. Returns are after the MER has been deducted. It s important to note that this doesn t tell you how the Fund will perform in the future. Also your actual return will depend on the premium allocation option and series option you choose and on your personal tax situation. Average return A person who invested $1,000 in the Fund and chose the 75/100 Series option on January 12, 2009 has $1,614.83 on December 31, 2014. This works out to an average of 8.36% per year. Year-by-year returns Any values close to zero may not be visible. This chart shows how the Fund has performed since January 12, 2009 for a contractholder who chose the 75/100 Series option. In the last 6 years the Fund was up in value 5 years and down in value 1 year. % 25 20 15 10 5 0-5 -10 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company * On or about July 1st, 2015, all mentions of The Standard Life Assurance Company of Canada ( Standard Life ) in this document were replaced by The Manufacturers Life Insurance Company 115

Ideal Franklin Quotential Balanced Growth Portfolio ARE THERE ANY GUARANTEES? This Fund is being offered under an insurance contract. It comes with guarantees that may protect your premium allocation if the markets go down. The MER includes an insurance fee that is charged for the guarantee. For details please refer to the Guarantee section 7 of the Ideal Segregated Funds Signature Series Information Folder. Also refer to the Guarantee sections II, III and IV of the Ideal Segregated Funds Signature Series Contract. HOW RISKY IS IT? The value of your investment can go down. Please see the Risk section 9.5 of the Ideal Segregated Funds Signature Series Information Folder for further details. Very Low Low Low to to WHO IS THIS FUND FOR? This Fund may be right for people seeking potential income and long term capital growth. They are comfortable with the risks of investing in global equities. HOW MUCH DOES IT COST? The following table shows the fees and expenses you could pay to buy and sell units of the Fund. The withdrawal charges (when applicable) and the ongoing fees and expenses may be different for each premium allocation option and series option. 1. Sales Charges Sales charge option (premium allocation option) How it works Ideal Signature Series If you sell within: % Low-load Option Up to 1 year 3.00 1 to 2 years 2.00 2 to 3 years 1.00 More Than 3 years 0.00 Back-end Load Option Up to 1 year 6.00 1 to 2 years 5.00 2 to 3 years 5.00 3 to 4 years 4.00 4 to 5 years 3.00 5 to 6 years 2.00 6 to 7 years 1.00 More Than 7 years 0.00 commission of 2.5%. commission of 5.0%. The withdrawal charge schedule is based on the date of each premium allocation. 1st year: You may sell up to 10% (20% for retirement income plans) of the sum of the premiums paid in the 1 st calendar year without paying a withdrawal charge. For subsequent years: Up to 10% (or 20%) of the sum of the fund values as at January 1 st plus 10% (or 20%) of any additional premiums paid during the year. You may switch to units of other Funds at any time without paying a withdrawal charge as long as you do not change your premium allocation option and/or series option. 116

Ideal Franklin Quotential Balanced Growth Portfolio 2. Ongoing Fund Expenses The management expense ratio (MER) includes the management fee and operating expenses of the Fund. The MER includes the insurance cost for the guarantee. You don t pay these expenses directly. They affect you because they reduce the return you get on your investment. For details about how the guarantees work, see your Ideal Segregated Funds Signature Series Contract (sections II, III and IV). Trailing commission Manulife pays a trailing commission of up to 1.25% of the value of your premium allocation option and/or series option each year for as long as you own the Fund. It is for the services and advice your advisor provides to you. The trailing commission is paid out of the management fee. You don t pay these expenses directly. The rate depends on the premium allocation option and series option you choose. Premium Allocation Option and Series Option: MER (%) Ideal Segregated Funds Signature Series 75/100 3.34 100/100 3.54 GLWB 3.23 75/100 Platinum No-Load 2.73 100/100 Platinum No-Load 3.01 GLWB Platinum No-Load 2.71 A minimum investment of $250,000 is required for the Platinum No-Load option. 3. Other Fees The following trading fees apply to all premium allocation options and series options and are charged to the Fund. There is an additional fee for the Ideal Income Series (GLWB) only. This fee is calculated and charged quarterly and deducted from your Ideal Income Series (GLWB). Fee Short-term Trading Fee 2% of the value of the transaction amount, in addition to any applicable charges. Fund Fee Rate Level Ideal Income Series (GLWB) Fee Fund Fee Rate Level 1 0.75% Level 2 0.85% Level 3 1.05% Level 4 1.15% WHAT IF I CHANGE MY MIND? You can change your mind within two business days of the earlier of the date you received confirmation or five business days after it is mailed. You can also change your mind about subsequent transactions you make under the contract within two business days of the earlier of the date you received confirmation or five business days after it is mailed. In this case the right to cancel only applies to the new transaction. You have to tell your insurer in writing, by fax or letter, that you want to cancel. The amount returned will be the lesser of the amount you invested, or the value of the fund if it has gone down. The amount returned only applies to the specific transaction and will include a refund of any withdrawal charges or other fees you paid. FOR MORE INFORMATION This summary may not contain all the information you need. Please read the Contract and the Information Folder or you may contact us at: The Manufacturers Life Insurance Company Operations, Customer Experience 1245 Sherbrooke Street West Montréal, Quebec, H3G 1G3 P.O. Box 11497, Stn. Centre-ville Montréal, Quebec H3C 5S5 Toll Free: 1 888 841-6633 Toll Free Fax: 1 877 882-4892 117

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