What does short-term oil price volatility mean for pension scheme members?

The above information has not been reviewed by the Securities Commission Malaysia (“SC”) and is subject to the relevant warning, disclaimer, qualification or terms and conditions stated herein. Investors are advised to read and understand the contents of the Master Prospectus dated 3 January 2023 and its First Supplemental Master Prospectus dated 20 October 2023; Master Prospectus dated 15 May 2023 and its First Supplemental Master Prospectus dated 20 October 2023 and its Second Supplemental Master Prospectus dated 12 February 2025 and its Third Supplemental Master Prospectus dated 3 June 2025 and its Fourth Supplemental Master Prospectus dated 30 June 2025; Prospectus dated 18 August 2022 and its First Supplemental Prospectus dated 30 December 2022; Prospectus dated 3 October 2023; Prospectus dated 19 June 2024 and its First Supplemental Prospectus dated 18 February 2025; Prospectus dated 28 June 2024 and its First Supplemental Prospectus dated 6 August 2025 and its Second Supplemental Prospectus dated 26 November 2025; Prospectus dated 15 July 2025; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 31 January 2022 and its Second Supplemental Information Memorandum dated 10 August 2023 and its Third Supplemental Information Memorandum dated 2 January 2024; Master Information Memorandum dated 26 November 2019; Information Memorandum dated 11 February 2020 and its First Supplemental Information Memorandum dated 13 September 2021 and its Second Supplemental Information Memorandum dated 31 January 2022 and its Third Supplemental Information Memorandum dated 21 August 2023 and its Fourth Supplemental Information Memorandum dated 2 January 2024 and its Fifth Supplemental Information Memorandum dated 30 May 2025; Information Memorandum dated 2 May 2023 and its First Supplemental Information Memorandum dated 2 January 2024 and its Second Supplemental Information Memorandum dated 20 December 2024; Information Memorandum dated 24 October 2024; Disclosure Document dated 14 February 2022 and its First Supplemental Disclosure Document dated 30 August 2023 for Manulife PRS NESTEGG Series; Disclosure Document dated 14 February 2022 and its First Supplemental Disclosure Document dated 30 August 2023 for Manulife Shariah PRS NESTEGG Series and all the respective Product Highlights Sheet(s) (collectively, the “Offering Documents”), obtainable at our offices or website, before investing. The Offering Documents have been registered with the SC, however the registration with the SC does not amount to nor indicate that the SC has recommended or endorsed the product. There are risks involved with investing in unit trust funds; wholesale funds and/or private retirement schemes. Some of these risks associated with investments in unit trust funds; wholesale funds and/or private retirement schemes are currency risk, country risk, credit and default risk, concentration risk, stock specific risk, reclassification of Shariah status risk, fund manager/ investment manager/target fund manager risk, liquidity risk and interest rate risk. For further details on the risk profile of all the funds, please refer to the Risk Factors section in the Offering Documents. The price of units and income distribution may go down as well as up. Investors should compare and consider the fees, charges and costs involved. Investors are advised to conduct own risk assessment and consult the professional advisers if in doubt on the action to be taken. Past performances are not an indication of future performances. Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from the pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV; and where a unit split is declared, the value of your investment in the Fund’s denominated currency will remain unchanged after the distribution of the additional units. You are advised not to solely rely upon the ratings or rankings disclosed herein in making an investment decision. The ratings or rankings disclosed herein are current; the same may change in the future.

The Manager, Manulife Investment Management (M) Berhad Registration No: 200801033087 (834424-U) (hereinafter referred to as “Manulife IM (Malaysia)”) is a wholly owned subsidiary of Manulife Holdings Berhad and holds a Capital Markets Services License for fund management, dealing in securities restricted to unit trusts, dealing in private retirement schemes and financial planning under the Capital Markets and Services Act 2007. Manulife IM (Malaysia) operates under the brand name of Manulife Investment Management which is the global wealth and asset management segment of Manulife Financial Corporation.