MK2755E - Manulife Segregated Fund Education Savings Plan (ESP) Information Folder & Contract

This document contains the Manulife Segregated Fund Education Savings Plan Information Folder and Contract provisions. 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 Segregated Fund Education Savings Plan Individual Variable Insurance Contract and the guarantor of any guarantee provisions therein.