Manulife's Seasons 100 is a participating whole life plan that provides you with

the life insurance coverage until you reach the age of 100.

This product gives you with the much-needed funds to answer your immediate
and future needs, may it be for emergencies, children's education, retirement,
major purchases and other necessities.

Receive the following benefits with this product:

• Guaranteed maturity benefit which is equal to your life insurance coverage

upon reaching the age 100.

• Guaranteed life insurance protection for you and your family.

• Guaranteed cash values which you can borrow against your policy in case
of financial emergencies.

• Dividend earnings which you can use in several ways.

• Supplementary benefits which you can opt to add to your plan.

Choose how long you want to pay the premium for this product, either 5 years,
10 years, 15 years or up to age 100.

Have someone back you up against possible financial risks and difficulties.
All these with Manulife's Seasons 100!

Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily
as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for
individuals, groups and institutions. At the end of 2018, we had more than 34,000 employees, over 82,000 agents, and thousands of distribution partners, serving
almost 28 million customers. As of December 31, 2018, we had over CAD1.1 trillion (USD794 billion) in assets under management and administration, and in the
previous 12 months we made CAD29.0 billion in payments to our customers. Our principal operations in Asia, Canada and the United States are 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.

Page 1 of 3
A3S542201B2CRP4 This proposal prepared on 11 January, 2020 is valid until 10 February, 2020 Ver. Ph2019.3.65.002.1209
AG223025AB4MS0YO-03 Illustrations are valid only if all illustration pages are included. RZ100
An insurance illustration especially designed for Betty Wong
Age 40 , FEMALE Face Amount Premium

Seasons 100 Reg-Pay (PESO) 300,000 9,916.00

Total Annual Premium 9,916.00
Semi-Annual Premium 5,343.48
Quarterly Premium 2,864.48
Monthly Premium 1,013.54

MAIN ILLUSTRATION FOR Seasons 100 Reg-Pay (PESO)

Non- Non-
Guaranteed Total Living Total Death Guaranteed Total Living Total Death
Policy Attained Annual Guaranteed Guaranteed Accumulated Benefits at Benefits at Accumulated Benefits at Benefits at
Year Age Premiums Death Benefit Cash Value Dividends at 3.0% 3.0% Dividends at 2.0% 2.0%
3.0% 2.0%
1 41 9,916 300,000 - 474 474 300,474 474 474 300,474
2 42 9,916 300,000 - 1,001 1,001 301,001 996 996 300,996
3 43 9,916 300,000 300 1,598 1,898 301,598 1,583 1,883 301,583
4 44 9,916 300,000 3,600 2,270 5,870 302,270 2,239 5,839 302,239
5 45 9,916 300,000 7,500 3,028 10,528 303,028 2,974 10,474 302,974
6 46 9,916 300,000 11,400 3,869 15,269 303,869 3,783 15,183 303,783
7 47 9,916 300,000 15,600 4,798 20,398 304,798 4,672 20,272 304,672
8 48 9,916 300,000 19,800 5,824 25,624 305,824 5,647 25,447 305,647
9 49 9,916 300,000 24,300 6,950 31,250 306,950 6,711 31,011 306,711
10 50 9,916 300,000 28,800 8,187 36,987 308,187 7,875 36,675 307,875
11 51 9,916 300,000 32,700 9,540 42,240 309,540 9,139 41,839 309,139
12 52 9,916 300,000 36,600 11,017 47,617 311,017 10,513 47,113 310,513
13 53 9,916 300,000 40,200 12,620 52,820 312,620 11,995 52,195 311,995
14 54 9,916 300,000 44,400 14,354 58,754 314,354 13,591 57,991 313,591
15 55 9,916 300,000 48,300 16,234 64,534 316,234 15,312 63,612 315,312
16 56 9,916 300,000 52,500 18,263 70,763 318,263 17,160 69,660 317,160
17 57 9,916 300,000 56,400 20,452 76,852 320,452 19,144 75,544 319,144
18 58 9,916 300,000 60,900 22,802 83,702 322,802 21,264 82,164 321,264
19 59 9,916 300,000 65,100 25,329 90,429 325,329 23,531 88,631 323,531
20 60 9,916 300,000 69,300 28,041 97,341 328,041 25,955 95,255 325,955
Attained Age
75 9,916 300,000 137,700 98,057 235,757 398,057 85,932 223,632 385,932
85 9,916 300,000 176,100 190,315 366,415 490,315 160,843 336,943 460,843
95 9,916 300,000 206,400 342,622 549,022 642,622 279,286 485,686 579,286
100 9,916 300,000 300,000 451,912 751,912 751,912 362,036 662,036 662,036
Important Illustration Notes:
* The above is a summarized illustration of the major benefits found in your policy and are demonstrated for illustration purposes only. This is not a policy contract. You
should refer to your Insurance Adviser or the Company for further information/details; or if appropriate, a more detailed proposal.
* The above illustration relates to your Basic Plan, including riders, if any, and assumes that all premiums are paid in full when due.
* Accumulated Dividends are projected at 3.00% and 2.00% in this illustration. These are based on a forecast of future interest rates and are not guaranteed.
* The illustration includes dividends which are calculated based on a projection of the current dividend scale, which has incorporated the Company's expectation of future
interest rates, investment returns, expenses, claims experience and other factors. It is for illustrative purposes only. Actual dividends may be different and depend on how
well the fund has fared with regard to investment returns, expenses, claims and other factors. For example, if the actual investment return is lower than the projected
investment return, dividends may be decreased and vice versa.
* To protect policyowner dividends from significant fluctuations resulting from volatility in the factors that impact dividends (e.g. investment returns, mortality, expenses), a
smoothing process is applied when determining the declared dividends. When the performance of the participating fund is above average, the full performance is not
immediately used to increase dividends, and vice versa. Rather the above/below average performance is passed back to policyowners over a number of years to ensure a
stable dividend year to year.
* Total Living Benefits is the sum of Guaranteed Cash Value and Accumulated Dividends.
* Total Death Benefit is the sum of Guaranteed Death Benefit and Accumulated Dividends.
* Values may differ from actual policy values due to rounding off. Values illustrated above are based on standard rates unless specified.
* The values illustrated will vary in accordance with the Proposed Insured's insurance age upon issuance of the contract. Changes in premium rates, dividend scales and
interest rates also affect these values. The values illustrated do not include any dividend withdrawals and/or policy loans.
* We have tried our best to ensure accuracy of this illustration, however, errors and omissions may still have occurred in its preparation.
I have carefully read and understood the disclosures in the illustration. My Insurance Adviser has explained to my satisfaction the principal features of
this policy and its non-guaranteed components. I also understand that the illustration is valid only for one (1) month from print date and that any
alteration shall invalidate this illustration.

Betty Wong SUMAIT,CHARDILENE KHAE,EPIFANIO (223025)

POLICYOWNER INSURANCE ADVISER

Page 2 of 3
A3S542201B2CRP4 This proposal prepared on 11 January, 2020 is valid until 10 February, 2020 Ver. Ph2019.3.65.002.1209
AG223025AB4MS0YO-03 Illustrations are valid only if all illustration pages are included. RZ100
 ACKNOWLEDGEMENT OF VARIABILITY

Applicant : Betty Wong

Application No :
Insurance Adviser's Name : SUMAIT,CHARDILENE Code No : 223025 Unit :
KHAE,EPIFANIO

I acknowledge that:

I have applied with The Manufacturers Life Insurance Co. (Phils.), Inc. for a Seasons 100 policy, and have reviewed
the illustration(s) that shows how a life insurance policy performs using the company's assumptions based on Insurance Commission's
guidelines on interest rates.

I understand that only those values described as guaranteed, if any, are guaranteed. All other policy values can change
and may probably be different from those illustrated to me. Actual values may be higher or lower depending on the dividend rates
actually earned.

I understand that dividend rates change from year to year and since these are affected by the company's mortality
experience, investment returns, expenses, and taxes, and that Manulife will advise me of the actual amount of the dividend, if any.

If on any future date I choose to use available policy dividends to pay for my future premiums, I understand that actual
dividend performance will determine when or if policy values are sufficient to pay my future premiums.

I understand that the illustration(s) given to me will not become part of any issued policy, as these are provided only to
show how policy benefits would change over time under a specific set of assumptions.

Betty Wong Date

POLICYOWNER

Agent's Attestation: This illustration has been presented to the Policyowner unaltered. The Policyowner has been told that values that
are not guaranteed are subject to change; and no statements have been made that are inconsistent with the illustration.

SUMAIT,CHARDILENE KHAE,EPIFANIO(223025) Date

INSURANCE ADVISER

Page 3 of 3
A3S542201B2CRP4 This proposal prepared on 11 January, 2020 is valid until 10 February, 2020 Ver. Ph2019.3.65.002.1209
AG223025AB4MS0YO-03 Illustrations are valid only if all illustration pages are included. RZ100
An insurance illustration especially designed for Betty Wong
Age 40 , FEMALE Face Amount Premium

Seasons 100 Reg-Pay (PESO) 300,000 9,916.00

Total Annual Premium 9,916.00
Semi-Annual Premium 5,343.48
Quarterly Premium 2,864.48
Monthly Premium 1,013.54

Production Credit Calculation for Seasons 100 Reg-Pay (PESO)

MODAL FIRST YEAR FIRST YEAR NET PRODUCTION

PREMIUM COMM RATE(%) COMMISSION ANNUALIZED CREDIT
COMMISSION
Annual 9,916.00 40% 3,806.40 3,806.00 3,806.00
Semi-Annual 5,343.48 35% 1,765.22 3,530.00 3,530.00
Quarterly 2,864.48 35% 932.57 3,730.00 3,730.00
Monthly 1,013.54 35% 319.74 3,837.00 3,837.00

Important Illustration Notes:

* The illustrated values may differ from actual values due to rounding off.
* The commissions, net annualized commissions and production credits illustrated above are based only on the first year rate.
* Values illustrated above are based on the assumption that commission will not be shared by two or more Insurance Advisers.
* We have tried our best to ensure the accuracy of this illustration, however, errors and omissions may still have occurred in its preparation.

FOR INSURANCE ADVISER'S USE ONLY

Page 1 of 1
A3S542201B2CRP4 This proposal prepared on 11 January, 2020 is valid until 10 February, 2020 Ver. Ph2019.3.65.002.1209
AG223025AB4MS0YO-03 Illustrations are valid only if all illustration pages are included. RZ100