Code of Business Conduct and Ethics




	·	Governance Principles
	·	Ethical Culture
	·	Board of Directors
	·	Board Committees
	·	Awards & Recognition
	·	Publications & Securities Filings
	·	Contact the Corporate Secretary

Ethical Culture

Manulife is committed to applying the highest standards of integrity in all decisions and activities. Every year, each of our employees must confirm that they have complied with Manulife's Code of Business Conduct and Ethics. You can link to sections of the actual Code below:

I -	Why Ethics Matter At Manulife Financial we value our good name... More
II -	Living Manulife Financial's Values Our values guide everything we do... More
III -	Ethics in the Workplace A positive and productive workplace means treating each other with respect and trust... More
IV -	Ethics in Your Business Relationships Our business depends on sound relationships... More
V -	Conflicts of Interest A “conflict of interest” occurs when... More
VI -	Handling Information Information is one of the Company's most vital assets... More
VII -	Ethics and the Law We are committed to operating within the laws...More
VIII -	A Final Word Our reputation is the result of more than 100 years of dedication, quality service and ethical dealings... More

Disclosure Policy
Under applicable laws, Manulife must make all required disclosures clearly, completely, and within time limits. Our Disclosure Policy helps to ensure compliance with these responsibilities.