U.S. Customer Privacy Notice (This U.S. Customer Privacy Notice can be downloaded as a .pdf document.) Our Privacy Commitment We are committed to protecting the personal information entrusted to us. The purpose of this notice is to let you know how we treat personal information about current and former customers. We do not sell any information about current or former customers. We do not sell the fact that you are our customer or customer lists. We only collect and share information to provide and maintain our products and services, or as required by law. Safeguards We protect the personal information of our current and former customers. We restrict access to personal information to those who need it to provide our products and services or as the law requires. We train our employees to keep it confidential and safe. We maintain physical, electronic, and procedural safeguards. Information We Collect The information we collect depends on the product or service you request. Information from Individuals We get most information from your application. We also get it from other forms you give us. This may include information such as: Name, address, telephone number, date of birth, and social security number Income, assets, and investment preferences Information on health and habits, if you apply for life insurance or make a claim Information to process transactions or to conduct online transactions Information from Third Parties If needed, we may also get information from third parties. For example, we may obtain information in order to evaluate your application or verify your identity. This may include information such as: Personal and credit information from consumer reporting agencies Health history from medical providers and the Medical Information Bureau, Inc. (MIB, Inc.) Employment and benefit information from employers, plan sponsors, and administrators Information from other companies about contracts or accounts transferred to us Consumer reporting agencies may keep the information they collect. They may share that information with others to the extent allowed by law. If you contact another insurer to apply for life or health insurance or make a claim, the MIB, Inc. will supply that company with the information it has in its files. Transaction Information We keep records of customers’ transactions with us. This may include information such as: Benefits, contract values, payments, and account activities Beneficiaries and claims Web site visitor information Medical Information We collect medical information only to underwrite life insurance or process claims. We get written consent from the insured or claimant before we obtain it from third parties. We do not share medical information for marketing purposes. We only share it within strict limits as allowed or required by law. Information We Share We share information only in a limited way to conduct business and provide service to customers, or as required by law. Within Manulife Financial The law allows us to share the personal information listed above with our affiliates, also known as our family of companies. We share this information to carry out routine business activities. For example, we may share to: Underwrite, issue, or administer contracts Provide information that customers request about our other products or services Our family of companies includes: Life insurers Investment advisers and broker-dealers Investment companies With Service Providers The law allows us to share the personal information listed above with third parties that help us conduct business. For example, we may share with companies that print statements or provide computer or data processing services. We may also share with third parties that provide services to us or on our behalf, such as: Administration or audit Underwriting Claims processing We may share the personal information listed above, except for medical and consumer report information, with third parties that provide marketing services for us. We share only the information our service providers need to carry out their duties. We require that they use it only for that purpose and keep it confidential. With Others We may share with other third parties involved in providing or maintaining your contract or benefit. We share only the information they need to perform their functions. This may include: Your insurance agent or general agent or registered representative Other financial institutions such as broker-dealers, investment advisers, and reinsurers Your physician and insurance support organizations such as the MIB, Inc. Employers, plan sponsors, and administrators We will share personal information if you direct or authorize us to do so, or if we are required to do so by law enforcement, governmental, or regulatory agencies. Access and Correction We want to make sure the information we have is accurate. Generally, upon written request, we will provide you with the personal information about you in our files, including any disclosures of medical information. If you believe that any of our records are incorrect, you may contact us in writing to request a correction. The Following Manulife Financial U.S. Affiliates Provide this Privacy Notice: The Manufacturers Life Insurance Company (U.S.A.) and its separate accounts The Manufacturers Life Insurance Company of New York and its separate accounts Manulife Financial Securities LLC Manufacturers Securities Services, LLC The funds of Manufacturers Investment Trust MFC Global Investment Management (U.S.A.) Limited In this notice, “third party” means any entity that is not an affiliate of Manulife Financial. Manulife Financial and the block design are the registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation. © 2004 The Manufacturers Life Insurance Company (U.S.A) All rights reserved.