Investment Platform* At Manulife New York, we believe that you need to understand our products and how they meet your financial objectives. Our Investment Platform that supports our Venture Variable Annuities, Venture Variable Universal Life Insurance Products, Venture Single Premium Life Insurance, and the Venture Series 401(k) and Pension products offers a smart and simple way to help you meet your long-term financial goals. Called the Manufacturers Investment Trust (the MIT), it includes more than 70 portfolios with approximately $32 billion in assets, as of September 30, 2004. Our Investment Platform is the cornerstone to our enduring promise: providing you with the opportunity to achieve financial fulfillment with the right set of diversified tools. Our multi-manager approach, together with our disciplined selection and review process, ensures a common set of investment tools, across three product lines, to meet your financial goals. The Manulife New York Advantage The main advantage to the structure of the MIT is that our clients can access many of the world's top asset managers and choose investment options that span several asset classes and investment styles, all in one place. Generally, most traditional mutual fund families do not offer such a broad array of options, or, if they do, certainly do not offer the "best in class" in each of the asset classes and investment styles. Driven by Manulife New York's disciplined selection and review process, our clients have access to elite offerings in a broad array of asset classes and investment styles. To select asset managers, we draw on Manulife New York’s knowledgeable team of internal and external financial experts. These groups are fundamentally committed to constructing a comprehensive platform of high quality investments from leading asset managers from around the globe. While we utilize a disciplined process to select asset managers, we never lose sight that the financial markets are constantly evolving. Therefore, we provide our clients with the ability to capitalize on long-term trends in the market by proactively adjusting our investment platform on an ongoing basis. As part of the Manufacturers Investment Trust, American Funds are availabe on Manulife New York's Venture Variable Annuities product line. In addition to the Investment Platform, Manulife New York offers a retail platform that enables smaller 401(k) sponsors to access world-class investment managers who are subject to the same rigorous selection and review process as the Common Investment Platform. * Please call 1-877-391-3748 to obtain more complete information or a prospectus, if applicable, detailing charges and expenses on various products. Annuities - Option 3 Insurance - Option 4 Group Pensions/401(k) Plans - Option 5 For registered products, please read the prospectus carefully before purchasing. Variable annuity and variable life products are issued by The Manufacturers Life Insurance Company of New York (Manulife New York) which is based in Valhalla, NY. The products are distributed by Manulife Financial Securities LLC and Manulife Wood Logan provides sales and marketing support.