Common use of Terms applicable to all Manulife Clause in Contracts

Terms applicable to all Manulife. InvestChoice Accounts (ie Asset-based Accounts and Trade-based Accounts) 1. You may open one of each type of Manulife InvestChoice Accounts. 2. All references to AUM amounts indicated in HK$ shall also mean ‘or equivalent in relevant currency’. 3. Maximum 2 holders permitted per each joint-name Manulife InvestChoice Account. 4. Cash Account is maintained for each Manulife InvestChoice Account and is held under the name of the Nominee on your behalf and consists of multi-currency interest bearing cash account facilities with the Bank as nominated by Manulife, and which currently includes HKD, USD, RMB, EUR and AUD accounts. 5. You will arrange for your Cash Account to be appropriately funded, including via your Designated Bank Account, HKD cheque payment, bank transfers (online, telegraphic transfers or via Faster Payment System(FPS)) or real time direct debit instructions. 6. Deposits to/payments out of your Cash Account will be in the same currency corresponding to the relevant cash account facility credited/debited. 7. All holdings in your Manulife InvestChoice Account (Funds and Cash Account) will be held under the name of the Nominee on your behalf. 8. Minimum investment amounts requirements per Fund shall apply to each of your Manulife InvestChoice Account as follows (or equivalent in relevant currency): (i) Initial minimum subscription amount is HK$20,000 (ii) Subsequent minimum subscription/switching amount is HK$10,000 (iii) Minimum redemption amount is HK$10,000 (iv) Minimum holding is HK$10,000. 9. Fund holdings are not allowed to be transferred between your Manulife InvestChoice Accounts. 10. Any Manulife InvestChoice Account opened but not funded will be deemed a Not Activated Account and will be subject to review for closure after 12 months of opening.

Terms applicable to all Manulife. InvestChoice Accounts (ie Asset-based Accounts and Trade-based Accounts) 1. You may open one of each type of Manulife InvestChoice Accounts. 2. All references to AUM amounts indicated in HK$ shall also mean ‘or equivalent in relevant currency’. 3. Maximum 2 holders permitted per each joint-name Manulife InvestChoice Account. 4. Cash Account is maintained for each Manulife InvestChoice Account and is held under the name of the Nominee on your behalf and consists of multi-currency interest bearing cash account facilities with the Bank as nominated by Manulife, and which currently includes HKD, USD, RMB, EUR EUR, AUD, CAD and AUD GBP accounts. 5. You will arrange for your Cash Account to be appropriately funded, including via your Designated Bank Account, HKD cheque payment, payment or bank transfers transfer (online, including online banking and telegraphic transfers or via Faster Payment System(FPStransfer)) or real time direct debit instructions. 6. Deposits to/payments out of your Cash Account will be in the same currency corresponding to the relevant cash account facility credited/debited. 7. All holdings in your Manulife InvestChoice Account (Funds and Cash Account) will be held under the name of the Nominee on your behalf. 8. Minimum investment amounts requirements per Fund shall apply to each of your Manulife InvestChoice Account as follows (or equivalent in relevant currency): (i) Initial minimum subscription amount is HK$20,000 (ii) Subsequent minimum subscription/switching amount is HK$10,000 (iii) Minimum redemption amount is HK$10,000 (iv) Minimum holding is HK$10,000. 9. Fund holdings are not allowed to be transferred between your Manulife InvestChoice Accounts. 10. Any Manulife InvestChoice Account opened but not funded will be deemed a Not Activated Account and will be subject to review for closure after 12 months of opening.