INDEXES

Disclaimer

Investors are advised to read and understand the contents of the Master Prospectus dated 30 June 2017; the Master Prospectus dated 29 December 2016, its Supplemental Master Prospectus dated 10 November 2017 and the Second Supplemental Master Prospectus dated 14 June 2018; the Prospectus dated 13 April 2018; the Prospectus dated 12 December 2017; the Information Memorandum dated 13 March 2018; the Information Memorandum dated 3 November 2016; the Replacement Information Memorandum dated 1 June 2018; the Manulife PRS NESTEGG Series Disclosure Document dated 19 November 2012, its Supplemental Disclosure Document dated 25 June 2013, its Second Supplemental Disclosure Document dated 10 June 2014, its Third Supplemental Disclosure Document dated 1 September 2014, its Fourth Supplemental Disclosure Document dated 1 April 2015, its Fifth Supplemental Disclosure Document dated 1 June 2015 and its Sixth Supplemental Disclosure Document dated 28 April 2016; the Manulife Shariah PRS NESTEGG Series Replacement Disclosure Document dated 1 August 2017 and all the respective Product Highlights Sheet(s) (collectively, the “Offering Documents”), obtainable at our offices, before investing. The Offering Documents have been registered with the Securities Commission Malaysia who takes no responsibility for its contents. Investors should consider the fees and charges involved. The price of units and income distribution may go down as well as up. Past performances of the Funds are not an indication of the Funds' future performances. Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from the pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV; and where a unit split is declared, the value of your investment in the Fund’s denominated currency will remained unchanged after the distribution of the additional units. Units will only be issued on receipt of the completed application form referred to and accompanying the Offering Documents. There are risks involved with investing in unit trust funds; wholesale funds and/or Private Retirement Schemes. Some of these risks associated with investments in unit trust funds; wholesale funds and/or Private Retirement Schemes are interest rate fluctuation risk, foreign exchange or currency risk, country risk, political risk, credit risk, non-compliance risk, counterparty risk, target fund manager risk, liquidity risk and interest rate risk. For further details on the risk profile of all the funds, please refer to the Risk Factors section in the Offering Documents.

The Manager, Manulife Asset Management Services Berhad (MAMSB) is a wholly owned subsidiary of Manulife Holdings Berhad and holds a Capital Markets Services License for fund management, dealing in securities restricted to unit trusts, dealing in private retirement schemes and financial planning under the Capital Markets and Services Act 2007. MAMSB operates under the brand name of Manulife Asset Management - the asset management arm of Manulife Financial.

All charges and fees (e.g. sales charge, switching fee, transfer fee and any other relevant fee), whichever applicable, will be subject to Goods and Services Tax (GST) and/or any other taxes that may be introduced by the Government of Malaysia from time to time, at the prevailing rate. The Manager reserves the right to collect from you an amount equivalent to the taxes payable for all charges and fees, whichever applicable. The GST amount, if any, would be collected from the effective date of the GST. Your obligation to pay GST and other applicable taxes shall form part of the Terms and Conditions.