MK2002E - GIF Select (original) Information folder and contract

This document contains the Manulife GIF Select Original Information Folder, Contract provisions, and Fund Facts. The segregated fund Information Folder is published by The Manufacturers Life Insurance Company (“Manulife”) for information purposes only and is not an insurance contract. Manulife is the issuer of the Manulife PensionBuilder Individual Variable Insurance Contract and the guarantor of any guarantee provisions therein.