<SEC-DOCUMENT>0001086888-17-000080.txt : 20170727
<SEC-HEADER>0001086888-17-000080.hdr.sgml : 20170727
<ACCEPTANCE-DATETIME>20170727170833
ACCESSION NUMBER:		0001086888-17-000080
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20170727
FILED AS OF DATE:		20170727
DATE AS OF CHANGE:		20170727

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		17987023

	BUSINESS ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
		BUSINESS PHONE:		416-926-3000

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
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<TYPE>6-K
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<DESCRIPTION>FORM6-K-27JULY2017-NR-MFC-S9
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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman Bold', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">UNITED STATES</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman Bold', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">Washington, D.C. 20549</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">Form 6-K

<hr style="BORDER-TOP: medium none; HEIGHT: 2px; BORDER-RIGHT: medium none; BORDER-BOTTOM: medium none; COLOR: #000000; TEXT-ALIGN: center; MARGIN-LEFT: auto; BORDER-LEFT: medium none; BACKGROUND-COLOR: #000000; MARGIN-RIGHT: auto" align="center" noshade="noshade">
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<font style="FONT-SIZE: 12pt">REPORT OF <font style="FONT-FAMILY: 'Times New Roman Bold', serif">FOREIGN</font> PRIVATE ISSUER PURSUANT TO RULE 13<font style="FONT-FAMILY: 'Times New Roman Bold', serif">a</font>-16 OR <font style="FONT-FAMILY: 'Times New Roman Bold', serif">15d</font>-16 UNDER THE</font></div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">SECURITIES EXCHANGE ACT OF 1934</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">For the month of <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>July 2017</u></font></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Commission File Number: 1-14942</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt"><font style="FONT-SIZE: 16pt">MANULIFE FINANCIAL CORPORATION</font>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Translation of registrant's name into English)</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">200 Bloor Street East,</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">North Tower 10</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">Toronto, Ontario, Canada M4W 1E5</div>

<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">(416) 926-5657

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">(Address of principal executive office)</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Form 20-F</div>
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<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9744;</font></div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9744;</font></div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">If "Yes" is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b): 82- ________.</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">DOCUMENTS FILED AS PART OF THIS FORM 6-K<br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt; TEXT-INDENT: 36pt">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as part of this Form 6-K:</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Description of Exhibit</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">99.1</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">News release dated July 27, 2017</div>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">SIGNATURES</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt; TEXT-INDENT: 36pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</div>

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<div style="FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">MANULIFE FINANCIAL CORPORATION</div>
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<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">By:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-VARIANT: normal; FONT-WEIGHT: normal"><font style="FONT-STYLE: italic">/s/</font>&#160;<font style="FONT-STYLE: italic">Kay Song</font></font></div>
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<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Name:&#160;&#160;&#160;&#160;&#160; </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Kay Song</font></div>
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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 36.6pt; LINE-HEIGHT: 12.55pt; TEXT-INDENT: -36.6pt"><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Title:&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Assistant Corporate Secretary</font></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Date:&#160; July 27, 2017</div>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 15.95pt">EXHIBIT INDEX</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">News release dated July 27, 2017</div>
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<div style="FONT-SIZE: 10.5pt; FONT-FAMILY: 'Segoe UI', sans-serif; FONT-WEIGHT: bold; COLOR: #006941; TEXT-ALIGN: left">SEHK: 945</div>
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<div style="FONT-SIZE: 10.5pt; FONT-FAMILY: 'Segoe UI', sans-serif; FONT-WEIGHT: bold; COLOR: #006b3f; TEXT-ALIGN: left; LINE-HEIGHT: 11.95pt">C$ unless otherwise stated</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">For Immediate Release</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">July 27, 2017</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #006b3f; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">Manulife Financial Corporation announces Conversion Privilege of Non-cumulative Rate Reset Class 1 Shares Series 9</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">TORONTO</font> &#8211; <font style="FONT-WEIGHT: normal">Manulife Financial Corporation ("Manulife") today announced that it does not intend to exercise its right to redeem all or any of its currently outstanding 10,000,000 Non-cumulative Rate Reset Class 1 Shares Series 9 (the "Series 9 Preferred Shares") (TSX: MFC.PR.I) on September 19, 2017. As a result, subject to certain conditions described in the prospectus supplement dated May&#160;16, 2012 relating to the issuance of the Series&#160;9 Preferred Shares (the "Prospectus"), the holders of the Series 9 Preferred Shares have the right, at their option, to convert all or part of their Series&#160;9 Preferred Shares on a one-for-one basis into Non-cumulative Floating Rate Class 1 Shares Series&#160;10 of Manulife (the "Series&#160;10 Preferred Shares") on September&#160;19, 2017. A formal notice of the right to convert Series&#160;9 Preferred Shares into Series&#160;10 Preferred Shares will be sent to the registered holders of the Series 9 Preferred Shares in accordance with the share conditions of the Series 9 Preferred Shares. Holders of Series&#160;9 Preferred Shares are not required to elect to convert all or any part of their Series&#160;9 Preferred Shares into Series&#160;10 Preferred Shares. Holders who do not exercise their right to convert their Series&#160;9 Preferred Shares into Series&#160;10 Preferred Shares on such date will retain their Series&#160;9 Preferred Shares, unless automatically converted in accordance with the conditions below.</font></div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">The foregoing conversion right is subject to the conditions that: (i) if, after September 5, 2017, Manulife determines that there would be less than 1,000,000 Series&#160;9 Preferred Shares outstanding on September&#160;19, 2017, then all remaining Series&#160;9 Preferred Shares will automatically be converted into an equal number of Series&#160;10 Preferred Shares on September&#160;19, 2017, and (ii) alternatively, if, after September 5, 2017, Manulife determines that there would be less than 1,000,000 Series 10 Preferred Shares outstanding on September&#160;19, 2017, then no Series&#160;9 Preferred Shares will be converted into Series 10 Preferred Shares. In either case, Manulife will give written notice to that effect to any registered holders of Series&#160;9 Preferred Shares affected by the preceding minimums on or before September&#160;12, 2017.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">The dividend rate applicable to the Series 9 Preferred Shares for the 5-year period commencing on September&#160;20, 2017, and ending on September&#160;19, 2022, and the dividend rate applicable to the Series 10 Preferred Shares for the 3-month period commencing on September&#160;20, 2017, and ending on December&#160;19, 2017, will be determined and announced by way of a news release on August 21, 2017. Manulife will also give written notice of these dividend rates to the registered holders of Series&#160;9 Preferred Shares.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">Beneficial owners of Series 9 Preferred Shares who wish to exercise their right of conversion should instruct their broker or other nominee to exercise such right before 5:00 p.m. (Toronto time) on September 5, 2017. Conversion inquiries should be directed to Manulife's Registrar and Transfer Agent, CST Trust Company, at 1-800-387-0825.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">Subject to certain conditions described in the Prospectus, Manulife may redeem the Series&#160;9 Preferred Shares, in whole or in part, on September 19, 2022 and on September&#160;19 every five years thereafter and may redeem the Series&#160;10 Preferred Shares, in whole or in part, after September&#160;19, 2017.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">The Toronto Stock Exchange ("TSX") has conditionally approved the listing of the Series 10 Preferred Shares effective upon conversion. Listing of the Series 10 Preferred Shares is subject to Manulife fulfilling all the listing requirements of the TSX and, upon approval, the Series&#160;10 Preferred Shares will be listed on the TSX under the trading symbol "MFC.PR.T".</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; COLOR: #000000; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">The Series 9 Preferred Shares and the Series 10 Preferred Shares have not been and will not be registered in the United States under the United States Securities Act of 1933, as amended (the "Securities Act"), or the securities laws of any state of the United States and may not be offered, sold or delivered, directly or indirectly in the United States or to, or for the account or benefit of, a "U.S. person" (as defined in Regulation S under the Securities Act) absent registration or an applicable exemption from such registration requirements. This press release does not constitute an offer to sell or a solicitation to buy securities in the United States and any public offering of the securities in the United States must be made by means of a prospectus.</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #006b3f; TEXT-ALIGN: left; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt">About Manulife</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Manulife Financial Corporation is a leading international financial services group that helps people achieve their dreams and aspirations by putting customers' needs first and providing the right advice and solutions. We operate as John Hancock in the United States and Manulife elsewhere.&#160;We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. At the end of 2016, we had approximately 35,000 employees, 70,000 agents, and thousands of distribution partners, serving more than 22 million customers. As of March 31, 2017, we had $1 trillion (US$754 billion) in assets under management and administration, and in the previous 12 months we made almost $26.3 billion in payments to our customers. Our principal operations are in Asia, Canada and the United States where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong.</div>

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<table id="z93bf307248f84db59eace34eccf1e51e" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 11.25pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">Media inquiries:</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 11.25pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">Sean B. Pasternak<font style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif"><br>
</font> Manulife</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 11.25pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">416-852-2745</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #808080; TEXT-ALIGN: left; MARGIN-LEFT: 11.25pt; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 23.75pt"><u>sean_pasternak@manulife.com</u></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>
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<td style="WIDTH: 4.9%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 54.23%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 12.6pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">Investor Relations:</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 12.6pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">Robert Veloso</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 12.6pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">Manulife</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; MARGIN-LEFT: 12.6pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt">416-852-8982</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; COLOR: #808080; TEXT-ALIGN: left; MARGIN-LEFT: 12.6pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 23.75pt"><u>robert_veloso@manulife.com</u></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
