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Disclaimer: Any amount that is
allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in
value. Age restrictions and other conditions may apply. The Manufacturers Life Insurance Company is the issuer of
the Manulife GIF Select insurance contract and the guarantor of any guarantee provisions therein. GIF Select,
Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance
Company and are used by it and its affiliates including Manulife Financial
Corporation.
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