If the sub-account inception date is after February 23, 2007, then the class introduction date is the same as the sub-account inception date. 52. Performance does not reflect any applicable contract-level or certain participant-level charges. Risks Relating to John Hancock. Source: Morningstar Direct for Mutual Funds, as of the most recent month end. An investment in a sub-account will fluctuate in value to reflect the value of the underlying portfolio and, when redeemed, may be worth more or less than original cost. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Retirement plan fiduciaries should be familiar with the key features of stable value funds as they perform due diligence. Performance does not reflect any applicable contract-level or certain participant-level charges, or any redemption fees imposed by an underlying fund company. All Rights Reserved. Once the plan fiduciary has been notified and unless they elect otherwise, in the case of fund mergers and replacements, the affected funds that are being merged or replaced may implement the redemption of your interest by payment in cash or by distributing assets in kind. An investment in this portfolio is not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. John Hancock Stable Value Fund: Qualified retirement plans that select the John Hancock Stable Value Fund as an eligible investment option under the group annuity contract are restricted from selecting any fixed-income investment options for the plan deemed to be 'Competing', including (i) any book value fixed income Fund, (ii) any other fixed income Fund with a targeted average duration of two (2) years or less, including but not limited to, a money market Fund or a short-term bond Fund, or (iii) any guaranteed interest account (other than a ten (10) year maturity guaranteed interest account maintained by an affiliate of John Hancock Life Insurance Company (U.S.A.) originally offered prior to May 1, 2006). p45. Date sub-account or Guaranteed Interest Account first available under group annuity contract.This class was introduced February 23, 2007. Performance information current to the most recent month-end is available on our website myplan.johnhancock.com. The risk that if the contract is terminated and, as a result, payments from the contract are subject to a negative MVA or are paid over an extended period of time, depending on the terms of the particular contract. MAY LOSE VALUE. Contact your John Hancock representative if you wish to obtain a copy. The performance data presented represents past performance. The underlying securities in each portfolio are the primary factor Morningstar uses as the investment objective and investment strategy stated in a funds prospectus may not be sufficiently detailed for our proprietary classification methodology. **A funds investment objectives, risks, charges, and expenses should be considered carefully before investing. However, if the book value of the Fund exceeds the market value of underlying securities, the stabilizing agreements provide that the payment of certain withdrawals may be delayed for up to 12 months unless the plan or the participant requesting the withdrawal elects to accept such payment subject to a market value adjustment. Investments in the Fund will accrue interest at the applicable monthly crediting rate, which rate will be set based upon a formula but may be adjusted from time to time as agreed upon by the Stability Provider(s) and John Hancock Life Insurance Company (U.S.A.). S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. 5A. For more information or to order prospectuses for the underlying investments, call 800-395-1113 and speak to a client account representative. Peer groups are unmanaged and cannot be invested in directly. The underlying mutual fund, collective trust, or ETF has the right to restrict trade activity without prior notice if a participant's trading is determined to be in excess of their exchange policy, as stated in the prospectus or offering memorandum. If the weighted value of certain indexes changes by more than 2%, John Hancock reserves the right to reset the crediting rate on October 1 or April 1. Returns shown reflect the Expense Ratio of the sub-account. A Separate Account or a portfolio related to other benefit responsive contracts may invest in asset-backed securities. This category can include corporate or government ultrashort bond portfolios, but it excludes international, convertible, multisector, and high yield bond portfolios. If these charges were reflected, performance would be lower. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. If the John Hancock Stable Value Guaranteed Investment Fund ('SVGIF') is selected or if the Fund selected invests in the SVGIF, John Hancock may earn more from amounts invested in its general account via SVGIF than the interest amount it credits to SVGIF contract holders, depending on investment and market conditions affecting the general account, in which case this 'spread' revenue is retained by John Hancock. Why stable value? New York Life maintains the Plan's contributions in a separate account. Contributions under a group annuity contract issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) are allocated to investment options which: (a) invest solely in shares of an underlying mutual fund, collective trust, or ETF; (b) invest in a combination of these; or (c) are Guaranteed Interest Accounts and which will be held in the John Hancock USA general account. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. The fund is a stable value product that guarantees principal and accumulated interest. These charges, if included, would otherwise reduce the total return for a participant's account. The trustee of a stable value fund and/or the manager or sponsor of the underlying investments of a stable value fund typically endeavor to maintain one or more Stabilizing Agreements (also known as a Wrap Agreement) with Stability Provider(s) (also known as Wrap Providers) in an attempt to maintain the book value of the fund or the underlying investments. The fund's primary investment objectives are to preserve principal, maintain a competitive . FTSE Treasury Bill 3-Month Index: An unmanaged, market capitalization weighted, index of 3-month Treasury bills. In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility. The terms investment grade and speculative grade are market conventions and do not imply any recommendation or endorsement of a specific security for investment purposes. In this event, short- and medium-duration securities are effectively converted into longer-duration securities, increasing their sensitivity to interest-rate changes and causing their prices to decline. It is made up of John Hancock's (i) "Revenue from Sub-account", and (ii) the expenses of the underlying fund (based on expense ratios reported in the most recent prospectuses available as of the date of printing; "FER"). Your company's qualified retirement plan offers participants the opportunity to contribute to investment options available under a group annuity contract with John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). 166. It is fully portable and. Although there can be no assurances that all risks can be eliminated, John Hancock as manager of the underlying funds will use its best efforts to manage and minimize such risks and costs. The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. This disclosure provides a brief summary of John Hancock's recordkeeping services, investment-related information including the annual operating expense (e.g. A.M. Best RatingAM Best's methodologies for rating is a comprehensive overview of the credit rating process, which consists of quantitative and qualitative evaluations of balance sheet strength, operating performance, business profile, and enterprise risk management.Fitch RatingsThe terms investment grade and speculative grade have established themselves over time as shorthand to describe the categories AAA to BBB (investment grade) and BB to D (speculative grade). Weightings - Applicable to only the Target Date (Lifecycle Portfolio) and Target Risk (Lifestyle Portfolios) Each Target Risk/Target Date Portfolio has a target percentage allocation designed to meet the investment objectives of a corresponding investment orientation. The performance of an Index does not include any portfolio or insurance-related charges. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.For each underlying fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in the underlying funds monthly performance (does not include the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. 83. Actively managed investments are subject to the risk that the investment managers usage of investment techniques and risk analysis to make investment decisions fails to perform as expected, which may cause the relevant portfolio to lose money or underperform investments with similar objectives and strategies or the market in general. p45. The John Hancock Stable Value Fund invests a portion of its assets in a separate investment account maintained by John Hancock Life & Health Insurance Company ('John Hancock Life & Health'), an affiliate of John Hancock USA, which has claimed an exclusion from the definition of the term 'Commodity Pool Operator' under CFTC Regulation 4.5 under the Commodity Exchange Act with respect to its operation of such separate account and, therefore, John Hancock Life & Health is not subject to registration or regulation as a pool operator under Regulation 4.5 for such separate account. Withdrawals for plan distributions, loans, hardship withdrawals, and transfers to other investments will be paid at full value. The availability of products, Funds and contract features may be subject to Broker-Dealer Firm approval, State approval, Broker Licensing requirements, tax law requirements, or other contract-related requirements. if your plan has selected the John Hancock Stable Value Fund as an Investment Option for its Contract . The stability of the investments offsets price fluctuations that may be associated with fixed-income investments. All other performance data is actual (except as otherwise indicated). Please call 800-395-1113 to obtain the Fund Sheet for the group annuity investment option sub-accounts and/or to obtain a prospectus (or Offering Memorandum/Trust Document) for the sub-accounts' underlying fund, that are available on request. For more information on a particular investment option, please refer to John Hancock USA's Fund sheets, available through the Web site or your John Hancock USA representative. Ratings are a comprehensive measure of financial strength. These charges, if included, would otherwise reduce the total return for a participants account. The John Hancock Stable Value Fund is invested primarily in benefit responsive contracts issued by state regulated insurance companies and banks, including but not limited to John Hancock Life & Health Insurance Company. Funds with scores in the top 10% of each category receive 5 stars (highest); the next 22.5%, 4 stars (above average); the next 35%, 3 stars (average); the next 22.5%, 2 stars (below average); and the bottom 10%, 1 star (lowest). The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Ultrashort is defined as 25% of the three-year average effective duration of the MCBI. For the protection of the participants, account changes are subject to the following short-term trading guidelines when exchanging investment options under your company's qualified retirement plan account with John Hancock. Allocating assets to only one or a small number of the investment options (other than an asset allocation investment option such as a target date or target risk option) should not be considered a balanced investment program. The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. Withdrawals for plan distributions, loans, hardship withdrawals, and transfers to other investments will be paid at full value. Index returns were prepared using Morningstar Direct. Consult your John Hancock representative for details. Such trade restrictions may be more restrictive than the above guidelinesRestricting the number of exchanges made during a defined periodRestricting the dollar amount of exchangeRestricting the method used to submit exchanges (e.g., requiring exchange requests to be submitted in writing via U.S. mail)Restricting exchanges into and out of certain investment options Participants can read about the short-term trading policy at myplan.johnhancock.com under the "modify your account - change account" feature. Refer to the prospectus of the underlying fund for details.When calculating the Expense Ratio of the sub-account, the net expense ratio of the underlying fund is used. The Signature Menu was introduced December 8, 2014. An investment in a sub-account will fluctuate in value to reflect the value of the sub-account's underlying fund and, when redeemed, may be worth more or less than original cost. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. John Hancock Life Insurance Company has a more than 30-year track record of backing guaranteed interest contracts and has been a stable value asset manager since 2006, with total stable. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. To preserve capital and provide stability of principal while earning current income that exceeds money market rates over the long term.The Fund is invested primarily in diversified fixed income funds and separately managed bond accounts run by internal and external sub-managers selected by John Hancock in its capacity as advisor to the Fund and Guarantees are provided to participating retirement plans through a rider on a group annuity contract issued by John Hancock Life Insurance Company. Allocation percentages may vary or be adjusted due to market or economic conditions or other reasons as set out in the prospectus. The following two questions are made available to the Financial Representative (FR) on this plan to address questions relating to 408(b)(2) or John Hancock's 408(b)(2) disclosures.
john hancock stable value fund financial statementswamego baseball schedule
If the sub-account inception date is after February 23, 2007, then the class introduction date is the same as the sub-account inception date. 52. Performance does not reflect any applicable contract-level or certain participant-level charges. Risks Relating to John Hancock. Source: Morningstar Direct for Mutual Funds, as of the most recent month end. An investment in a sub-account will fluctuate in value to reflect the value of the underlying portfolio and, when redeemed, may be worth more or less than original cost. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Retirement plan fiduciaries should be familiar with the key features of stable value funds as they perform due diligence. Performance does not reflect any applicable contract-level or certain participant-level charges, or any redemption fees imposed by an underlying fund company. All Rights Reserved. Once the plan fiduciary has been notified and unless they elect otherwise, in the case of fund mergers and replacements, the affected funds that are being merged or replaced may implement the redemption of your interest by payment in cash or by distributing assets in kind. An investment in this portfolio is not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. John Hancock Stable Value Fund: Qualified retirement plans that select the John Hancock Stable Value Fund as an eligible investment option under the group annuity contract are restricted from selecting any fixed-income investment options for the plan deemed to be 'Competing', including (i) any book value fixed income Fund, (ii) any other fixed income Fund with a targeted average duration of two (2) years or less, including but not limited to, a money market Fund or a short-term bond Fund, or (iii) any guaranteed interest account (other than a ten (10) year maturity guaranteed interest account maintained by an affiliate of John Hancock Life Insurance Company (U.S.A.) originally offered prior to May 1, 2006). p45. Date sub-account or Guaranteed Interest Account first available under group annuity contract.This class was introduced February 23, 2007. Performance information current to the most recent month-end is available on our website myplan.johnhancock.com. The risk that if the contract is terminated and, as a result, payments from the contract are subject to a negative MVA or are paid over an extended period of time, depending on the terms of the particular contract. MAY LOSE VALUE. Contact your John Hancock representative if you wish to obtain a copy. The performance data presented represents past performance. The underlying securities in each portfolio are the primary factor Morningstar uses as the investment objective and investment strategy stated in a funds prospectus may not be sufficiently detailed for our proprietary classification methodology. **A funds investment objectives, risks, charges, and expenses should be considered carefully before investing. However, if the book value of the Fund exceeds the market value of underlying securities, the stabilizing agreements provide that the payment of certain withdrawals may be delayed for up to 12 months unless the plan or the participant requesting the withdrawal elects to accept such payment subject to a market value adjustment. Investments in the Fund will accrue interest at the applicable monthly crediting rate, which rate will be set based upon a formula but may be adjusted from time to time as agreed upon by the Stability Provider(s) and John Hancock Life Insurance Company (U.S.A.). S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. 5A. For more information or to order prospectuses for the underlying investments, call 800-395-1113 and speak to a client account representative. Peer groups are unmanaged and cannot be invested in directly. The underlying mutual fund, collective trust, or ETF has the right to restrict trade activity without prior notice if a participant's trading is determined to be in excess of their exchange policy, as stated in the prospectus or offering memorandum. If the weighted value of certain indexes changes by more than 2%, John Hancock reserves the right to reset the crediting rate on October 1 or April 1. Returns shown reflect the Expense Ratio of the sub-account. A Separate Account or a portfolio related to other benefit responsive contracts may invest in asset-backed securities. This category can include corporate or government ultrashort bond portfolios, but it excludes international, convertible, multisector, and high yield bond portfolios. If these charges were reflected, performance would be lower. Moody's appends numerical modifiers 1, 2, and 3 to each generic rating classification from Aa through Caa. If the John Hancock Stable Value Guaranteed Investment Fund ('SVGIF') is selected or if the Fund selected invests in the SVGIF, John Hancock may earn more from amounts invested in its general account via SVGIF than the interest amount it credits to SVGIF contract holders, depending on investment and market conditions affecting the general account, in which case this 'spread' revenue is retained by John Hancock. Why stable value? New York Life maintains the Plan's contributions in a separate account. Contributions under a group annuity contract issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) are allocated to investment options which: (a) invest solely in shares of an underlying mutual fund, collective trust, or ETF; (b) invest in a combination of these; or (c) are Guaranteed Interest Accounts and which will be held in the John Hancock USA general account. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. The fund is a stable value product that guarantees principal and accumulated interest. These charges, if included, would otherwise reduce the total return for a participant's account. The trustee of a stable value fund and/or the manager or sponsor of the underlying investments of a stable value fund typically endeavor to maintain one or more Stabilizing Agreements (also known as a Wrap Agreement) with Stability Provider(s) (also known as Wrap Providers) in an attempt to maintain the book value of the fund or the underlying investments. The fund's primary investment objectives are to preserve principal, maintain a competitive . FTSE Treasury Bill 3-Month Index: An unmanaged, market capitalization weighted, index of 3-month Treasury bills. In particular, allocating assets to a small number of investment options concentrated in particular business or market sectors could subject an account to increased risk and volatility. The terms investment grade and speculative grade are market conventions and do not imply any recommendation or endorsement of a specific security for investment purposes. In this event, short- and medium-duration securities are effectively converted into longer-duration securities, increasing their sensitivity to interest-rate changes and causing their prices to decline. It is made up of John Hancock's (i) "Revenue from Sub-account", and (ii) the expenses of the underlying fund (based on expense ratios reported in the most recent prospectuses available as of the date of printing; "FER"). Your company's qualified retirement plan offers participants the opportunity to contribute to investment options available under a group annuity contract with John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). 166. It is fully portable and. Although there can be no assurances that all risks can be eliminated, John Hancock as manager of the underlying funds will use its best efforts to manage and minimize such risks and costs. The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. This disclosure provides a brief summary of John Hancock's recordkeeping services, investment-related information including the annual operating expense (e.g. A.M. Best RatingAM Best's methodologies for rating is a comprehensive overview of the credit rating process, which consists of quantitative and qualitative evaluations of balance sheet strength, operating performance, business profile, and enterprise risk management.Fitch RatingsThe terms investment grade and speculative grade have established themselves over time as shorthand to describe the categories AAA to BBB (investment grade) and BB to D (speculative grade). Weightings - Applicable to only the Target Date (Lifecycle Portfolio) and Target Risk (Lifestyle Portfolios) Each Target Risk/Target Date Portfolio has a target percentage allocation designed to meet the investment objectives of a corresponding investment orientation. The performance of an Index does not include any portfolio or insurance-related charges. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.For each underlying fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in the underlying funds monthly performance (does not include the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. 83. Actively managed investments are subject to the risk that the investment managers usage of investment techniques and risk analysis to make investment decisions fails to perform as expected, which may cause the relevant portfolio to lose money or underperform investments with similar objectives and strategies or the market in general. p45. The John Hancock Stable Value Fund invests a portion of its assets in a separate investment account maintained by John Hancock Life & Health Insurance Company ('John Hancock Life & Health'), an affiliate of John Hancock USA, which has claimed an exclusion from the definition of the term 'Commodity Pool Operator' under CFTC Regulation 4.5 under the Commodity Exchange Act with respect to its operation of such separate account and, therefore, John Hancock Life & Health is not subject to registration or regulation as a pool operator under Regulation 4.5 for such separate account. Withdrawals for plan distributions, loans, hardship withdrawals, and transfers to other investments will be paid at full value. The availability of products, Funds and contract features may be subject to Broker-Dealer Firm approval, State approval, Broker Licensing requirements, tax law requirements, or other contract-related requirements. if your plan has selected the John Hancock Stable Value Fund as an Investment Option for its Contract . The stability of the investments offsets price fluctuations that may be associated with fixed-income investments. All other performance data is actual (except as otherwise indicated). Please call 800-395-1113 to obtain the Fund Sheet for the group annuity investment option sub-accounts and/or to obtain a prospectus (or Offering Memorandum/Trust Document) for the sub-accounts' underlying fund, that are available on request. For more information on a particular investment option, please refer to John Hancock USA's Fund sheets, available through the Web site or your John Hancock USA representative. Ratings are a comprehensive measure of financial strength. These charges, if included, would otherwise reduce the total return for a participants account. The John Hancock Stable Value Fund is invested primarily in benefit responsive contracts issued by state regulated insurance companies and banks, including but not limited to John Hancock Life & Health Insurance Company. Funds with scores in the top 10% of each category receive 5 stars (highest); the next 22.5%, 4 stars (above average); the next 35%, 3 stars (average); the next 22.5%, 2 stars (below average); and the bottom 10%, 1 star (lowest). The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Ultrashort is defined as 25% of the three-year average effective duration of the MCBI. For the protection of the participants, account changes are subject to the following short-term trading guidelines when exchanging investment options under your company's qualified retirement plan account with John Hancock. Allocating assets to only one or a small number of the investment options (other than an asset allocation investment option such as a target date or target risk option) should not be considered a balanced investment program. The information shown is based on the most recent available information for the underlying mutual fund, collective trust, or ETF (collectively referred to as underlying fund) as of the date of printing and is subject to change. Withdrawals for plan distributions, loans, hardship withdrawals, and transfers to other investments will be paid at full value. Index returns were prepared using Morningstar Direct. Consult your John Hancock representative for details. Such trade restrictions may be more restrictive than the above guidelinesRestricting the number of exchanges made during a defined periodRestricting the dollar amount of exchangeRestricting the method used to submit exchanges (e.g., requiring exchange requests to be submitted in writing via U.S. mail)Restricting exchanges into and out of certain investment options Participants can read about the short-term trading policy at myplan.johnhancock.com under the "modify your account - change account" feature. Refer to the prospectus of the underlying fund for details.When calculating the Expense Ratio of the sub-account, the net expense ratio of the underlying fund is used. The Signature Menu was introduced December 8, 2014. An investment in a sub-account will fluctuate in value to reflect the value of the sub-account's underlying fund and, when redeemed, may be worth more or less than original cost. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. John Hancock Life Insurance Company has a more than 30-year track record of backing guaranteed interest contracts and has been a stable value asset manager since 2006, with total stable. Investment grade categories indicate relatively low to moderate credit risk, while ratings in the speculative categories either signal a higher level of credit risk or that a default has already occurred.S&PCredit ratings of AA- or better are considered to be high credit quality; credit ratings of BBB- are good credit quality and the lowest category of investment grade; credit ratings BB+ and below are lower-rated securities (junk bonds); and credit ratings of CCC+ or below have high default risk. To preserve capital and provide stability of principal while earning current income that exceeds money market rates over the long term.The Fund is invested primarily in diversified fixed income funds and separately managed bond accounts run by internal and external sub-managers selected by John Hancock in its capacity as advisor to the Fund and Guarantees are provided to participating retirement plans through a rider on a group annuity contract issued by John Hancock Life Insurance Company. Allocation percentages may vary or be adjusted due to market or economic conditions or other reasons as set out in the prospectus. The following two questions are made available to the Financial Representative (FR) on this plan to address questions relating to 408(b)(2) or John Hancock's 408(b)(2) disclosures. Missouri Inmate Search Vinelink,
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