John Hancock's Response
to the Market Turmoil

In response to the current volatility in the markets, the following materials have been developed and compiled for you and your clients to address concerns regarding the financial strength of John Hancock and its global parent, Manulife Financial Corporation.

Manulife Financial Bolsters its Capital Position
Manulife Financial Corporation will further strengthen its financial and capital position by issuing $2.125 billion in common equity which would raise its regulatory capital ratio to one of the highest levels in the company’s history. View the related message from Dominic D’Alessandro, President and Chief Executive Officer, Manulife Financial.

Life Insurance Guarantees and the Company the Backs Them
This brochure reinforces the strength and security of our guarantees. It describes the assets that back every policy, as well as the financial and risk management disciplines that govern the investment decision-making process.

Financial Fact Sheet
A new Financial Fact Sheet and PowerPoint presentation focusing on Manulife Financial's ratings, reserves, liquidity, capital levels, and other key financial issues facing the company.

Manulife Financial Corporation Ratings Unchanged by Standard & Poor’s
Manulife Financial Corporation announced that its Standard & Poor's credit ratings are unchanged. According to Standard & Poor's Ratings Services, Manulife's "…financial highlights of its third quarter 2008 results would not affect the ratings or outlook on Manulife or the "AAA" financial strength rating and stable outlook on any of its rated insurance subsidiaries.

Manulife Financial Corporation Releases Key Aspects of its Financial Position  In light of unprecedented market volatility, Manulife Financial is releasing important information about key aspects of its financial position to reassure its stakeholders. 

Q&A In Response To The Recent Market Turmoil 
Provides answers to commonly asked questions by you and your clients which address concerns over John Hancock's ability to weather the current economic environment.

John Hancock Market Update
News about long-standing financial institutions such as AIG, Lehman Brothers, Merrill Lynch and Washington Mutual has caused extreme market volatility and widespread concern among investors. The following piece outlines John Hancock Trust portfolio's exposure to these firms.

Manulife Financial Releases Details on Selected Exposures
The attached press release on Manulife Financial's selected financial exposures was sent out Tuesday, September 16.

Investment Fact Sheet
For a comprehensive overview of John Hancock and Manulife Financial's high quality and well diversified investment portfolio, view our Investment Fact Sheet.

2007 Financial Strength Brochure
Provides financial highlights for Manulife Financial, including premium and deposit growth, earnings growth, asset strength and mix and financial ratings, as of year-end December 31, 2007.