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2007 News Releases

For Immediate Release

November 13, 2007

Russell J. DeSanto Joins Keystone Financial Management as Brokerage Manager

Boston– Industry veteran Russell J. DeSanto, CLU, CLTC, has joined Keystone Financial Management, a leading financial services firm based in Allentown, PA, as brokerage manager.

In this position, DeSanto is responsible for attracting independent insurance and financial professionals to the firm, providing them access to a highly competitive product line, particularly in life insurance and long term care insurance, underwriting excellence, and a variety of support services.

“Russ is a successful, experienced brokerage manager who works with top insurance professionals across the country,” says Tom Nikles, Managing Partner of Keystone Financial Management. “We are pleased and excited to welcome him to our team here in Pennsylvania to bring increased growth to our firm.”

DeSanto joins Keystone Financial Management with 34 years of experience in the insurance and financial services industry, most recently with the Central Pennsylvania Agency of MassMutual Insurance Company. He focuses on working with independent insurance brokers and financial services professionals to help them build their practices through their relationship with the firm.

De Santo, a graduate of Peirce Jr. College, holds Chartered Life Underwriter and Certified in Long-Term Care designations and his FINRA Series 6 and 63 registrations.

About Keystone Financial Management
Keystone Financial Management (www.keystonefinancialmanagement.com) is a distinctive family of companies that provides products and services for financial planning and consulting designed to build and protect the financial wealth of their clients. The firm has offices in Allentown, Lancaster, Media, Harrisburg and Montage, Pennsylvania. Keystone Financial Management is an independent office of John Hancock Financial Network (JHFN).*

About John Hancock Financial Network
John Hancock Financial Network (JHFN) is a retail distribution company of John Hancock with over 350 branch offices and 1,880 financial representatives across the United States. JHFN has an unwavering commitment to supporting the entrepreneurial visions of its associates, while helping to enhance the financial security of its clients. For more information on John Hancock Financial Network and its national network of financial services firms, visit www.jhnetwork.com.

About John Hancock and Manulife Financial
John Hancock is a unit of Manulife Financial Corporation (the Company), a leading Canadian-based financial services group serving millions of customers in 19 countries and territories worldwide. Operating as Manulife Financial in Canada and in most of Asia, and primarily as John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by Manulife Financial and its subsidiaries were Cdn$399 billion (US$398 billion) as at September 30, 2007.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘0945’ on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.

The John Hancock unit, through its insurance companies, comprises one of the largest life insurers in the United States. John Hancock offers a broad range of financial products and services, including life insurance, fixed and variable annuities, mutual funds, 401(k) plans, long term care insurance, college savings, and other forms of business insurance. Additional information about John Hancock may be found at www.johnhancock.com.

*John Hancock Financial Network is the servicemark of John Hancock Life Insurance Company and its affiliated companies. Insurance products offered through John Hancock Life Insurance Company, Boston, MA 02117. Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 197 Clarendon Street, Boston, MA 02116. Keystone Financial Management is an independent office of JHFN.

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Contact:
Melissa Simon Berczuk
Phone: 617-663-4750
E-mail: mgsimon@jhancock.com