* The Net expense ratio shown is for the underlying fund and reflects any fee waivers or expense reimbursements and is subject to change. It is divided into two sections, investment grade and speculative grade. GAverage Credit Quality is from a Nationally Recognized Statistical Rating Organization (NRSRO). Indexes are unmanaged and cannot be invested in directly. The fund invests a portion of its assets (including cash and cash equivalents) in a separate account of John Hancock Life & Health Insurance Company (JHLH). All other performance data is actual (except as otherwise indicated). In the case where an underlying fund has either waived a portion of, or capped, its fees, the FER used to determine the ER of the sub-account that invests in the underlying fund is the net expense ratio of the underlying fund. John Hancock and its affiliates provide advisory and/or sub-advisory services for the underlying fund. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. "Underlying fund" or "fund" refers to the underlying mutual fund, collective trust, or exchanged traded fund ("ETF") in which the investment option invests.The FER is determined by the underlying fund and may be subject to fluctuation. Asset-Backed Security Risk for Fixed Income. Prepayment Risk for Fixed Income. Click the link in the email to finish setting up your dashboard. Stable Val Guaranteed Inc Fund (John Hancock Stable Value Guaranteed Income Fund) Advisor Total Bond Fund (FBKWX) (Fidelity Advisor Total Bond Fund (Class Z) High-Yield Fund (PHYOX) (PGIM High-Yield Fund (Class R6)) 2020 Target Date Retirem Fund (RRCTX) (American Funds 2020 Target Date Retirement Fund (Class R6)) These investment options may be sub-accounts (pooled funds) investing directly in underlying mutual fund, collective trusts, or ETFs, or they may be Guaranteed Interest Accounts.The Funds offered on the JH Signature platform are classified into five risk categories. However, the default of a Stability Provider and an inability to obtain a replacement Stabilizing Agreement could render the fund unable to pay withdrawals at book value. John Hancock Investment Management adds stable value portfolio and All rights reserved. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. Source: Morningstar Direct for Mutual Funds, as of the most recent month end. The credit quality breakdown does not give effect to the impact of any credit derivative investments made by the fund.Moody'sThe rating scale, running from a high of Aaa to a low of C, comprises 21 notches. Often, the issuer of asset-backed securities is a special purpose entity and the investor's recourse is limited to the assets comprising the pool. Ultrashort is defined as 25% of the three-year average effective duration of the MCBI. 142. Unless otherwise specifically stated in writing, John Hancock Life Insurance Company (U.S.A.) does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Prepayment Risk for Stable Value Fund As interest rates decline, the issuers of certain fixed income securities, including asset-backed securities, may prepay principal earlier than scheduled, forcing the applicable portfolio manager to reinvest in potentially lower yielding securities. Investment Grade Securities for Stable Value Fund Investments in investment-grade securities that are not rated in the highest rating categories may lack the capacity to pay principal and interest compared with higher rated securities and may be subject to increased credit risk. How we use your information depends on the product and service that you use and your relationship with us. 4A. Some Vanguard, Fidelity, T. Rowe Price, and other mutual fund estimate big dispersals despite big losses. Contact your John Hancock representative if you wish to obtain a copy.

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