<SEC-DOCUMENT>0001086888-25-000079.txt : 20250521
<SEC-HEADER>0001086888-25-000079.hdr.sgml : 20250521
<ACCEPTANCE-DATETIME>20250520193116
ACCESSION NUMBER:		0001086888-25-000079
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20250520
FILED AS OF DATE:		20250521
DATE AS OF CHANGE:		20250520

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		EIN:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		25970545

	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>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>form6-kxmaysubordinateddeb.htm
<DESCRIPTION>6-K
<TEXT>
<html><head><title>Form 6-K - May Subordinated Debenture Issue</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 495pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 495pt;"></div></div><div><div id="i575ecfb4e4244bea9fbbc4014f691d3b_37" style="position: absolute; top: 45pt;"></div><div style="position: absolute; top: 45pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 495pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 10.83pt; position: absolute; top: 74.5pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 242.22pt; position: absolute; text-decoration: none; white-space: pre;">UNITED STATES<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="line-height: 10.83pt; position: absolute; top: 94.85pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 133.82pt; position: absolute; text-decoration: none; white-space: pre;">SECURITIES AND EXCHANGE COMMISSION<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 115.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 243.84pt; position: absolute; text-decoration: none; white-space: pre;">Washington, D.C. 20549<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 148.7pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3.75pt;"><td style="border-top: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 10.83pt; position: absolute; top: 158.6pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 272.02pt; position: absolute; text-decoration: none; white-space: pre;">Form 6-K<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="position: absolute; top: 178.95pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 11.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 207.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 190.05pt; position: absolute; text-decoration: none; white-space: pre;">REPORT OF FOREIGN PRIVATE ISSUER <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 222.75pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 197.2pt; position: absolute; text-decoration: none; white-space: pre;">PURSUANT TO RULE 13a-16 OR 15d-16 <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 238.3pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 159.05pt; position: absolute; text-decoration: none; white-space: pre;">UNDER THE SECURITIES EXCHANGE ACT OF 1934<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 264.7pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 241.71pt; position: absolute; text-decoration: none; white-space: pre;">For the month of May 2025<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 289.9pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 224.31pt; position: absolute; text-decoration: none; white-space: pre;">Commission File Number&#58; 1-14942<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="position: absolute; top: 304.25pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 14.89pt; position: absolute; top: 338.5pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 22pt; font-style: normal; font-weight: bold; left: 94.63pt; position: absolute; text-decoration: none; white-space: pre;">MANULIFE FINANCIAL CORPORATION<font style="display: inline-block; height: 14.89pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 366.05pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 186.92pt; position: absolute; text-decoration: none; white-space: pre;">(Translation of registrant's name into English)<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 381.6pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 7.44pt; position: absolute; top: 415.85pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 256.07pt; position: absolute; text-decoration: none; white-space: pre;">200 Bloor Street East<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 430.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 268.44pt; position: absolute; text-decoration: none; white-space: pre;">North Tower 10<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 444.55pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 218.95pt; position: absolute; text-decoration: none; white-space: pre;">Toronto, Ontario, Canada M4W 1E5<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 458.9pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 271.63pt; position: absolute; white-space: pre;">(416) 926-3000<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 473.25pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: bold; left: 233.33pt; position: absolute; text-decoration: none; white-space: pre;">(Address of principal executive office)<font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="position: absolute; top: 485.2pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 519.45pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre; width: 494.94pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 533.85pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre; width: 77.31pt;">F or Form 40-F.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 560.25pt; width: 612pt;"><div style="font-size: 0pt; left: 157.5pt; position: absolute; top: 0pt; width: 297pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 66pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 84pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 63pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 84pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 0pt; width: 66pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 66pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Form 20-F <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 66pt; position: absolute; top: 0pt; width: 84pt;"><div><div style="line-height: 7.7pt; position: absolute; top: 2.63pt; width: 84pt;"><font style="font-family: &#39;Wingdings&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; white-space: pre;">&#168;<font style="display: inline-block; height: 7.7pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 213pt; position: absolute; top: 0pt; width: 84pt;"><div><div style="line-height: 7.7pt; position: absolute; top: 2.63pt; width: 84pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; white-space: pre;">Form 40-F&#160; &#160; &#160; &#160; &#160; <font style="display: inline-block; height: 7.7pt;"></font></font><font style="font-family: &#39;Wingdings&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 73.45pt; position: absolute; white-space: pre;">&#9746;<font style="display: inline-block; height: 7.7pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="position: absolute; top: 730.4pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 495pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 495pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 495pt;"></div></div><div><div id="i575ecfb4e4244bea9fbbc4014f691d3b_56" style="position: absolute; top: 45pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 45pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 163.56pt; position: absolute; text-decoration: none; white-space: pre;">DOCUMENTS FILED AS PART OF THIS FORM 6-K<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 76.1pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 85.5pt; position: absolute; text-decoration: none; white-space: pre;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 90.5pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre;">part of this Form 6-K&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 121.6pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 64.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 430.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 0pt; width: 64.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 2.99pt; width: 64.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: underline; white-space: pre;">Exhibit<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 64.5pt; position: absolute; top: 0pt; width: 430.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 2.99pt; width: 430.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;">Description of Exhibit<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 21pt; width: 64.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 2.99pt; width: 64.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">99.1<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 64.5pt; position: absolute; top: 21pt; width: 430.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 2.99pt; width: 430.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">News release dated May 20, 2025 announcing Subordinated Debenture issue<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 222.8pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 267.01pt; position: absolute; text-decoration: none; white-space: pre;">SIGNATURES<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.9pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 85.5pt; position: absolute; text-decoration: none; white-space: pre;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.3pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre;">caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 299.4pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 247.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 38.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 209.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="left: 247.5pt; position: absolute; top: 0pt; width: 247.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 247.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">MANULIFE FINANCIAL CORPORATION<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 13.5pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 27.75pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 27.75pt; width: 209.25pt;"><div><div style="line-height: 6.94pt; position: absolute; top: 3.66pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: italic; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Scott MacIntosh<font style="display: inline-block; height: 6.94pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 42pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-top: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 42pt; width: 209.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Scott MacIntosh<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 56.25pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 56.25pt; width: 209.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Assistant Corporate Secretary<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 70.5pt; width: 247.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 247.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Date&#58;&#160; May 20, 2025<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>newsrelease-maysubordinate.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html><head><title>News Release - May Subordinated Debenture Issue</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 495pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 495pt;"></div></div><div><div id="if5c18e2e782c43f29e76b8262b3f666c_37" style="position: absolute; top: 36pt;"></div><div style="position: absolute; top: 36pt; width: 612pt;"><div style="left: 58.5pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 21.6pt; width: 121.07pt;" src="image.jpg" alt="image.jpg"></div></div></div><div style="line-height: 18.92pt; position: absolute; top: 72.94pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 26pt; font-style: normal; font-weight: bold; left: 58.5pt; position: absolute; white-space: pre;">News<font style="display: inline-block; height: 18.92pt;"></font></font></div><div style="line-height: 18.92pt; position: absolute; top: 98.94pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 26pt; font-style: normal; font-weight: bold; left: 58.5pt; position: absolute; white-space: pre;">Release<font style="display: inline-block; height: 18.92pt;"></font></font></div><div style="line-height: 6.91pt; position: absolute; top: 136.43pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9.5pt; font-style: normal; font-weight: normal; white-space: pre;"><font style="left: 58.5pt; position: absolute;">C$ unless otherwise stated<font style="display: inline-block; height: 6.91pt; width: 30.04pt;"></font></font><font style="left: 202.5pt; position: absolute;"><font style="display: inline-block; height: 6.91pt; width: 36pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 6.91pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 6.91pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 6.91pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">TSX&#47;NYSE&#47;PSE&#58; MFC<font style="display: inline-block; height: 6.91pt; width: 13.61pt;"></font></font><font style="left: 454.5pt; position: absolute;">SEHK&#58; 945<font style="display: inline-block; height: 6.91pt;"></font></font></font></div><div style="line-height: 6.91pt; position: absolute; top: 148.5pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9.5pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">For Immediate Release<font style="display: inline-block; height: 6.91pt;"></font></font></div><div style="line-height: 6.91pt; position: absolute; top: 160.57pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9.5pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">May 20, 2025<font style="display: inline-block; height: 6.91pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 184.14pt; width: 612pt;"><font style="color: #006b3f; font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre;">Manulife announces Subordinated Debenture issue<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 201.79pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: italic; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">The prospectus supplement, the corresponding base shelf prospectus and any amendment thereto in <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 214.11pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: italic; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">connection with this offering will be accessible through SEDAR+ within two business days.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 241.05pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 58.5pt; position: absolute; white-space: pre;">TORONTO<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: italic; font-weight: normal; left: 113.45pt; position: absolute; white-space: pre;"> - <font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 123.21pt; position: absolute; white-space: pre;">Manulife Financial Corporation (&#8220;<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 282.59000000000003pt; position: absolute; white-space: pre;">MFC<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 306.4pt; position: absolute; white-space: pre;">&#8221;) announced today that is intends to issue $500 <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 253.37pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">million principal amount of 3.983% fixed&#47;floating subordinated debentures due May 23, 2035 (the <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 265.69pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">&#8220;<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 62.16pt; position: absolute; white-space: pre;">Debentures<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 122.61pt; position: absolute; white-space: pre;">&#8221;). MFC intends to file a prospectus supplement to its existing base shelf prospectus in <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 278.01pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">respect of this issue.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 304.95pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">The Debentures will bear interest at a fixed rate of 3.983% until May 23, 2030 and thereafter at a rate <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 317.27pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">of 1.32% over Daily Compounded CORRA. The Debentures mature on May 23, 2035.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 344.21pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Subject to prior regulatory approval, MFC may redeem the Debentures, in whole or in part, on or after <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 356.53pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">May 23, 2030 at a redemption price equal to par, together with accrued and unpaid interest to, but <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 368.85pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">excluding, the date fixed for redemption. The Debentures will constitute subordinated indebtedness, <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 381.17pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">ranking equally and rateably with all other subordinated indebtedness of MFC from time to time <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 393.49pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">issued and outstanding (other than subordinated indebtedness which has been further subordinated <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 405.81pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">in accordance with its terms).<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 432.75pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">The offering is being done on a best efforts agency basis by a syndicate co-led by RBC Capital <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 445.07pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Markets, Scotiabank and TD Securities. The offering is expected to close on May 23, 2025.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 472.01pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">MFC intends to use the net proceeds from the offering of the Debentures for general corporate <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 484.33pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">purposes, including investments in subsidiaries and potential future redemptions of existing securities.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 511.27pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">The Debentures have not been and will not be registered in the United States under the United States <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 523.59pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Securities Act of 1933, as amended (the &#8220;<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 260.05pt; position: absolute; white-space: pre;">Securities Act<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 333.33pt; position: absolute; white-space: pre;">&#8221;), or the securities laws of any state of the <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 535.91pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">United States and may not be offered, sold or delivered, directly or indirectly, in the United States or <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 548.23pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">to, or for the account or benefit of, a &#8220;U.S. person&#8221; (as defined in Regulation S under the Securities <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 560.55pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Act) absent registration or an applicable exemption from such registration requirements. This press <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 572.87pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">release does not constitute an offer to sell or a solicitation to buy securities in the United States and <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 585.19pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">any public offering of the securities in the United States must be made by means of a prospectus.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 613.61pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Access to the prospectus supplement, the corresponding base shelf prospectus and any amendment <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 625.93pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">thereto in connection with the offering of the Debentures is provided in accordance with securities <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 638.25pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">legislation relating to procedures for providing access to a prospectus supplement, a base shelf <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 650.57pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">prospectus and any amendment thereto. The prospectus supplement, the corresponding base shelf <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 662.89pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">prospectus and any amendment thereto in connection with the offering will be accessible within two <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 675.21pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">business days at www.sedarplus.ca. An electronic or paper copy of the prospectus supplement, the <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 687.53pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">corresponding base shelf prospectus and any amendment to the documents may be obtained, <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 699.85pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">without charge, from RBC Capital Markets by email at torontosyndicate&#64;rbccm.com or phone at <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8.73pt; position: absolute; top: 712.17pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">416-842-6311, Scotiabank <font style="display: inline-block; height: 8.73pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 189.63pt; position: absolute; white-space: pre;">by email at <font style="display: inline-block; height: 8.73pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 250.94pt; position: absolute; white-space: pre;">syndicate.toronto&#64;scotiabank.com or phone at 416-863-7438 <font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 725.61pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">or TD Securities by email at TDCAN-Syndicate&#64;tdsecurities.com or phone at 416-982-2243.<font style="display: inline-block; height: 8pt;"></font></font></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 495pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 495pt;"></div></div><div><div style="line-height: 8pt; position: absolute; top: 36pt; width: 612pt;"><font style="color: #006b3f; font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 58.5pt; position: absolute; text-decoration: none; white-space: pre;">About Manulife<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 61.82pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Manulife Financial Corporation is a leading international financial services provider, helping our <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 74.14pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">customers make their decisions easier and lives better. With our global headquarters in Toronto, <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 86.46pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Canada, we operate as Manulife across Canada, Asia, and Europe, and primarily as John Hancock in <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 98.78pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">the United States, providing financial advice and insurance for individuals, groups and businesses. <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 111.1pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Through Manulife Wealth &#38; Asset Management, we offer global investment, financial advice, and <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 123.42pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">retirement plan services to individuals, institutions, and retirement plan members worldwide. At the <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 135.74pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">end of 2024, we had more than 37,000 employees, over 109,000 agents, and thousands of <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 148.06pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">distribution partners, serving over 36 million customers. We trade as 'MFC' on the Toronto, New York, <font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 160.38pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">and the Philippine stock exchanges, and under '945' in Hong Kong.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 188.8pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 58.5pt; position: absolute; white-space: pre;">Not all offerings are available in all jurisdictions. For additional information, please visit <font style="display: inline-block; height: 8pt;"></font></font><font style="color: #0000ff; font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 479.66pt; position: absolute; text-decoration: none; white-space: pre;">manulife.com<font style="display: inline-block; height: 8pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; left: 545.01pt; position: absolute; white-space: pre;">.<font style="display: inline-block; height: 8pt;"></font></font></div><div style="line-height: 8pt; position: absolute; top: 231.02pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; white-space: pre;"><font style="left: 58.5pt; position: absolute;">Media Contact<font style="display: inline-block; height: 8pt; width: 32.91pt;"></font></font><font style="left: 166.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 202.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">Investor Relations<font style="display: inline-block; height: 8pt;"></font></font></font></div><div style="line-height: 8pt; position: absolute; top: 258.62pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; white-space: pre;"><font style="left: 58.5pt; position: absolute;">Fiona McLean<font style="display: inline-block; height: 8pt; width: 2.37pt;"></font></font><font style="left: 130.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 166.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 202.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">Hung Ko<font style="display: inline-block; height: 8pt;"></font></font></font></div><div style="line-height: 8pt; position: absolute; top: 272.42pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; white-space: pre;"><font style="left: 58.5pt; position: absolute;">Manulife<font style="display: inline-block; height: 8pt; width: 30.47pt;"></font></font><font style="left: 130.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 166.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 202.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">Manulife<font style="display: inline-block; height: 8pt;"></font></font></font></div><div style="line-height: 8pt; position: absolute; top: 286.22pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; white-space: pre;"><font style="left: 58.5pt; position: absolute;">437-441-7491<font style="display: inline-block; height: 8pt; width: 3.58pt;"></font></font><font style="left: 130.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 166.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 202.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">416-806-9921<font style="display: inline-block; height: 8pt;"></font></font></font></div><div style="line-height: 8pt; position: absolute; top: 300.02pt; width: 612pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: normal; white-space: pre;"><font style="left: 58.5pt; position: absolute;">Fiona_McLean&#64;manulife.com<font style="display: inline-block; height: 8pt; width: 30.8pt;"></font></font><font style="left: 238.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 274.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 310.5pt; position: absolute;"><font style="display: inline-block; height: 8pt; width: 36pt;"></font></font><font style="left: 346.5pt; position: absolute;">Hung_Ko&#64;manulife.com<font style="display: inline-block; height: 8pt;"></font></font></font></div></div></div></div></body></html>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
