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Mutual fund representatives and mutual fund advisors registered with Manulife Wealth Inc. offer mutual funds. Insurance products and services are sold through Manulife Wealth Insurance Services Inc. It also owns Manulife Bank of Canada, a federally chartered Schedule 1 bank, which in turn owns Manulife Trust Company, a federally chartered trust company. Please confirm with your advisor which company you are dealing with for each of your products and services.