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Annual Information Form

MANULIFE FINANCIAL CORPORATION. Annual Information Form February 9, 2022. Table of Contents Annual Management's TABLE OF CONTENTS Information Discussion & Analysis Form Reference 4. CORPORATE STRUCTURE. 4 17-20. GENERAL DEVELOPMENT OF THE BUSINESS. 5 10-40. BUSINESS OPERATIONS. 7 44-83. RISK MANAGEMENT. 8. GOVERNMENT REGULATION. 15. GENERAL DESCRIPTION OF CAPITAL STRUCTURE. 19. DIVIDENDS. 20. CONSTRAINTS ON OWNERSHIP OF SHARES. 20. RATINGS. 23. MARKET FOR SECURITIES. 28. ESCROWED SECURITIES AND SECURITIES. SUBJECT TO CONTRACTUAL RESTRICTION ON. TRANSFER. 28. DIRECTORS AND EXECUTIVE OFFICERS. 30. LEGAL PROCEEDINGS AND REGULATORY. ACTIONS. 31. TRANSFER AGENT AND REGISTRAR. 31. INTERESTS OF EXPERTS. 32. AUDIT COMMITTEE. 33. ADDITIONAL Information .

Corporate products are mainly sold through MGAs. In Singapore, mainland China, Vietnam, Indonesia, the Philippines, Malaysia, Cambodia and Myanmar, products are primarily marketed and sold through exclusive agents, bank channels, including exclusive partnerships, brokerage, and independent financial advisors.

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