“Manulife Proudly Presents About Life Andy Lau The Tour - Hong Kong” Tickets Lucky Draw (Macau) Terms and Conditions (“Terms and Conditions”)

1. This lucky draw (“Lucky Draw”) is organized by Manulife (International) Limited (“Manulife”). The campaign period is valid from 17 October 2026 at 9:00 a.m. to 26 November 2026 at 11:59 p.m. (Macau Time) (“Campaign Period”). By participating in the Lucky Draw, the participants are deemed to have read, accepted and agreed to be bound by these Terms and Conditions.

2. The Lucky Draw (include 2 parts in total) is open to individuals who fulfil the following requirements (each an “Eligible Participant”). Each Eligible Participant may be entitled to (more than) one lucky draw chance upon fulfilling the specified requirements:

i. Part 1:

• Participants must be aged 18 or above at the time of registration for entry to the Lucky Draw;
• Holders of (i) a valid Macau Permanent Resident Identity Card, (ii) a valid Macau Non-permanent Resident Identity Card or (iii) a valid travel document (“Identity Document”);
•  Participants must complete the personality test and submit their personal information on the designated campaign website (“Campaign Website”) during the Campaign Period, including name (which must be the same as the name on the Identity Document), the first four digits and/or alphabet(s) of Identity Document, phone number and email address; and
• Each participant can only register for this Lucky Draw once, and his/her personal information can only be submitted once. Any repeated submission will be considered invalid.
• An Eligible Participant who fulfils all the requirements in Part 1 will be entitled to 1 lucky draw chance.

ii. Part 2:

• Participants who fulfil all the requirements in part 1;
• Participants who submit a new policy application for a designated basic plan (“Designated Basic Plan”) signed in Macau and submitted to Manulife during the Campaign Period (“Eligible Policy Application(s)”); and
• The first-year annualized premium of the policy must be at least HK$10,000/US$1,250.
• If the Eligible Participant fulfils all the requirements in Part 2, he/she will be entitled to an additional 3 lucky draw chances, such that the Eligible Participant may receive a maximum of 4 lucky draw chances in total under part 1 and part 2 in the Lucky Draw. The Eligible Participant must ensure that the information submitted on the Campaign Website under Part 1 is the same as the policyowner information registered in the new policy application for the Designated Basic Plan under Part 2, including name (which must be the same as the name on the Identity Document, the first four digits and/or alphabet(s) of Identity Document, phone number and email address, in order to successfully obtain the additional lucky draw chances under Part 2.

3. Manulife will draw 5 winners in total from Eligible Participants. The details of the prize are as follow (“Prize”):

4. Each Eligible Participant can win only once at most in the Lucky Draw (please refer to clause 3). The winner must present his/her original copy of valid Identity Document for verification when collecting the Prize.

5. If any information Eligible Participant provided to Manulife for the Lucky Draw (including but not limited to the name, phone number and email address) is/are incorrect, untrue, incomplete, or invalid, relevant Eligible Participant will lose the eligibility for participating in this Lucky Draw.

6. Manulife insurance advisors are not allowed to participate in this Lucky Draw. Staff employed under Manulife or its affiliates (“affiliates” means any person or entity directly or indirectly controlling, controlled by or under common control with Manulife) are eligible for participating in this Lucky Draw.

7. The Prize cannot be exchanged, transferred, returned or redeemed for cash, other products or services under all circumstances, and will not be re-issued if lost, damaged or unused after expiry. Winners will not be allowed to choose the seats and concert show date. The Prize can only be used within the period specified on the ticket. Each ticket admits one person only. Photocopies are not accepted. The venue of the concert may be temporarily closed or suspended upon occurrence of any events beyond the control of the Prize supplier, including but not limited to the outbreak of infectious diseases or inclement weather (including but not limited to the hoisting of Tropical Cyclone Signal No.8 or higher, or Black Rainstorm warnings) on the date of the concert. Winners should abide by all arrangements of the Prize supplier. The Prize supplier reserves the right to reschedule the concert without further notice. Winners understand and agree that the Prize supplier is not required to provide compensation, reissue prizes, or arrange refunds. Winners must comply with the terms and conditions of the Prize supplier, otherwise the Prize supplier has the right to refuse such persons to enter the venue.

8. Winners will be drawn among Eligible Participants by computer system randomly on 14 December 2026 (“Winners”) and announcement of Winners will be published on Manulife website (www.manulife.com.mo) and Macao Daily News in Macau on 18 December 2026. Winners will be notified about the Prize collection arrangement via email and/or SMS within 7 working days after the Winners list is published. The notification email and/or SMS will be sent to the email address and/or phone number provided by the Winners for Lucky Draw participation. For Winners who have fulfilled the specified requirements under Part 2, at least one policy under the Eligible Policy Application must remain in force with no premium overdue at the time of Prize collection; otherwise, the Winner will be disqualified and will not be entitled to receive the Prize. Winner must personally attend the Macau Customer Service Centre (Avenida De Almeida Ribeiro, No.61, Manulife Plaza, 14 andar A, Macau) and present the original valid Identification Document for verification between December 22, 2026 and December 31, 2026 to receive the Prize. If the Winners fail to collect the Prize at the designated location in Macau within the specified Prize collection period for whatever reason, they will be disqualified and will have their Prize forfeited without further notice. Manulife reserves the rights to deal with all forfeited Prizes in any manner deemed fit.

9. Eligible Participant must attain the age of 18 or above with a valid Identity Document at the time of registration for entry to the Lucky Draw. Winners must present the original copy of their Valid Identification Document upon Prize collection for identity and age verification. Manulife reserves the right to verify the identity and eligibility of the Winners after the publication of the announcement of Winners of the Lucky Draw (including but not limited to the time of the Prize collection). If any Winner is found to be under the age of 18, fails to present the original copy of a Valid Identification Document, or otherwise does not meet the eligibility criteria, such Winner shall be disqualified and no objection shall be entertained.

10. Manulife is not responsible for verifying the email address and/or phone number submitted by Eligible Participant for participating in the Lucky Draw. Should there be any misdelivery of email / SMS notification resulted from inaccurate / incorrect information submitted by the Eligible Participant, Manulife will not re-issue the Prize.

11. If the participants or Winners violate any applicable rules / regulations or commit any illegal acts that result in any losses on the part of Manulife or any third parties, the relevant participants or Winners shall be liable for all the losses.

12. Email / SMS notification or other Prize redemption documents issued to the Winners will not be re-issued in case of loss or damage.

13. If for any reason Lucky Draw is not capable of running as planned, due to infection by computer virus, bugs, worms, trojan horses, denial of service attacks, tampering, unauthorized intervention, fraud, technical failures or any other causes beyond the control of Manulife that corrupt or affect the administration, security, fairness, integrity, or proper conduct of Lucky Draw, Manulife reserves the right, at its sole discretion, to disqualify any individual(s) who tamper with the entry process without prior notice.

14. Manulife is not the supplier of the Prize or the organizer of the concert and shall not be liable for any responsibilities regarding the use or enjoyment of the Prize and shall not be responsible or liable for the availability and quality of the concert. Any disputes arising from the Prize or the concert shall be resolved directly between the Winners and the supplier / organizer. The use of the Prize is subject to terms and conditions as determined by the supplier / organizer.

15. Manulife has the sole and absolute discretion in, according to relevant clauses of the Terms and Conditions, determining a person’s eligibility to receive the Prize. If Manulife discovers at any time, whether during or after the Campaign Period, that any person has failed to comply with the Terms and Conditions, Manulife is entitled to disqualify the person from participating in the Lucky Draw and receiving the Prize.

16. Manulife reserves the right to interpret the Terms and Conditions. In case of any disputes, Manulife’s decision shall be final and conclusive.

17. Privacy Statement

Participating in the Lucky Draw will serve as the participant's consent to accept the Terms and Conditions and Manulife’s Personal Information Collection Statement, and agree to receive communications relating to the Lucky Draw, including Winners notifications. For Manulife’s Statement of Privacy Policy and Personal Information Collection Statement, please refer to https://www.manulife.com.hk/en/individual/privacy-policy.html. Manulife hereby notifies the participants that personal information will be collected and used for the Lucky Draw’s purpose, which include without limitation to the administration of the Lucky Draw, placing in the entry list of the Lucky Draw, drawing the Winners, contacting participants on Winners notification, announcing the Winners list and identity verification of the Winner upon Prize redemption etc.

Whilst provision of personal data by the participant for this Lucky Draw is voluntary, failure to supply personal data by the participant will result in Manulife unable to recognize the participant as an Eligible Participant, and consequently unable to enroll the participant to this Lucky Draw. Manulife retains the rights to contact the participant concerning this Lucky Draw, irrespective of the participant’s consent status to Direct Marketing as detailed in Manulife’s Personal Information Collection Statement.

18. If any term or condition of the Terms and Conditions is found to be illegal, invalid or unenforceable, that particular term or condition will not affect the legality, validity or enforceability of any of the remaining terms and conditions of the Terms & Conditions.

19. Macau Courts have exclusive jurisdiction if any dispute arises.