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. The Expense Ratio ("ER") shown represents the total annual operating expenses for the investment options made available by John Hancock. Due to abnormal market conditions or redemption activity the fund may temporarily invest in cash and cash equivalents. Contact your John Hancock representative if you wish to obtain a copy. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.NOT FDIC INSURED. Categories may be changed based on recent changes to the portfolio. Risks Relating to John Hancock. Performance does not reflect any applicable contract-level or participant-level charges, fees for guaranteed benefits if elected by participant, or any redemption fees imposed by an underlying mutual fund, collective trust or ETF. Stable value funds generally provide a higher return Stable value funds are also viewed as safe investments. Investment style tells you whether the underlying fund invests in securities of companies that exhibit growth-style characteristics, such as above-average revenue and earnings growth, or in securities that exhibit value-style characteristics, such as shares considered to be underpriced in relation to fundamental measures such as revenues, earnings and assets. Any difference between the market value and book value will be taken into consideration when setting future crediting rates. Fund Expense Ratio or FER). 1A. The underlying fund company has not reviewed the sub-accounts performance. Crediting Rate is set in advance and is guaranteed by John Hancock Life Insurance Company (USA) and will not be less than 1%. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted. These charges, if included, would otherwise reduce the total return for a participants account. The John Hancock Stable Value Fund is a collective investment trust that invests in diversified fixed-income mutual funds and contract value stabilizing agreements. Index Performance: With respect to the Funds that display an index performance. Fund availability subject to regulatory approval and may vary from state to state. The effect of short-term trading may disrupt or be potentially disruptive to the management of the fund underlying an investment option and may thereby adversely impact the underlying funds performance, either by impacting fund management practices or by increasing fund transaction costs. FINANCIAL STATEMENTS AND EXHIBITS . 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. Performance does not reflect any applicable contract-level or certain participant-level charges, or any redemption fees imposed by an underlying fund company. 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. Requests may be cancelled if not within our guidelines.Participants are allowed a maximum of two exchanges per calendar month. John Hancock does not provide advice regarding appropriate investment allocations. ****Expense Ratio (ER) This material shows expenses for a specific unit class for investment options available under a John Hancock group annuity contract. Although the portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment if both the Fund's investment portfolio and the Stability Provider(s) fail. All Rights Reserved. Morningstar calculates monthly breakpoints using the effective duration of the Morningstar Core Bond Index in determining duration assignment. 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. Redemption fees or market value adjustments associated with exchanges from particular investment options are described on applicable fund sheets, which are available online. Analysis of performance and other indicative facts are also considered. For more information or to order prospectuses for the underlying investments, call 800-395-1113 and speak to a client account representative. Performance does not reflect any applicable contract-level or certain participant-level charges. This category can include corporate or government ultrashort bond portfolios, but it excludes international, convertible, multisector, and high yield bond portfolios. Peer Group Performance: With respect to the Funds that display a Peer Group Performance. GAverage Credit Quality is from a Nationally Recognized Statistical Rating Organization (NRSRO). Generally, fixed income investments will decrease in value when interest rates rise (and increase in value when interest rates fall). John Hancock Retirement : Offers New Stable Value Guaranteed Income Fund Withdrawals that are the result of plan sponsor actions may be subject to a market value adjustment or paid out in 5 installments over 60 months. 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. Withdrawals caused by the Plan sponsor may either be paid out immediately (subject to a market value adjustment) or at the full contract value over a period of five years. Returns shown reflect the Expense Ratio of the sub-account. i3. All performance calculations shown have been prepared solely by John Hancock USA. This investment option is deemed a 'Competing' investment option with John Hancock Stable Value Guaranteed Income Fund and may not be available. ****Expense Ratio (ER) This material shows expenses for a specific unit class for investment options available under a John Hancock group annuity contract. 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. Here are three reasons why stable value funds can withstand a higher interest-rate environment. Investment Grade Securities for Fixed Income. Date sub-account or Guaranteed Interest Account first available under group annuity contract.This class was introduced February 23, 2007. Index returns were prepared using Morningstar Direct. 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. An exchange is defined as the full rebalance of a participants account, or single or multiple fund-to-fund transfers that involve multiple investment options (also referred to as inter-account transfers) on one day, and may be made over the Web, by fax, courier or mail, through our toll-free participant services line, or with a client account representative.Recognizing that there may be extreme market or other circumstances requiring a participant to make a further change, John Hancock will allow a participant to move 100% of their assets to a Money Market or Stable Value Fund (as available under the contract after the exchange limit has been reached; no subsequent exchanges may be made for 30 days.Once the 30-day hold has expired, participants can trade again in accordance with the above guidelines.The guidelines do not. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. An exchange is defined as the full rebalance of a participants account, or single or multiple fund-to-fund transfers that involve multiple investment options (also referred to as inter-account transfers) on one day, and may be made over the Web, by fax, courier or mail, through our toll-free participant services line, or with a client account representative.Recognizing that there may be extreme market or other circumstances requiring a participant to make a further change, John Hancock will allow a participant to move 100% of their assets to a Money Market or Stable Value Fund (as available under the contract after the exchange limit has been reached; no subsequent exchanges may be made for 30 days.Once the 30-day hold has expired, participants can trade again in accordance with the above guidelines.The guidelines do not. Performance does not reflect any applicable contract-level or participant-level charges, fees for guaranteed benefits if elected by participant, or any redemption fees imposed by an underlying mutual fund, collective trust or ETF. The transaction costs and potential market gains or losses could have an impact on the value of your investment in the affected fund and in the ''new'' fund, and such market gains or losses could also have an impact on the value of any existing investment that you or other investors may have in the ''new'' fund. 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. John Hancock Retirement Offers New Stable Value Guaranteed Income Fund Extension Risk. 4A. An investment in this portfolio is not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. It is divided into two sections, investment grade and speculative grade. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement account. 166. The ticker symbols shown are for the underlying mutual fund, collective trusts or ETFs in which sub-accounts are invested. 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"). 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. 166. These financial statements are the responsibility of the Plan's management. Investment style tells you whether the underlying fund invests in securities of companies that exhibit growth-style characteristics, such as above-average revenue and earnings growth, or in securities that exhibit value-style characteristics, such as shares considered to be underpriced in relation to fundamental measures such as revenues, earnings and assets. These transactions qualify as party-in-interest . Your actual costs of investing in the fund may be higher than the expenses shown in "Annual fund operating expenses" for a variety of reasons. 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. In the event John Hancock is able to earn more than the crediting rate and the expense of operating the fund, John Hancock will keep that difference as its compensation. If the insurer fails, the plan is left only with a claim against the issuer as a general creditor. For the most up-to-date semiannual crediting rates, please call 800-395-1113. Accordingly, the actual market value of the underlying assets may, at times, be greater than or less than the book value of the Portfolio. 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. Fixed income, or bond Funds are often categorized by the duration and credit quality of the bonds held in the underlying fund. For more information, please contact your financial representative. Issuer Risk for Guaranteed Fund. JOHN HANCOCK STABLE VALUE RETURN FUND 1 | Markets Insider HEQ | CEF Snapshot - Fidelity John Hancock Retirement Offers New Stable Value Guaranteed Income Fund Our responsibility is to express an opinion on these financial statements based on our audits. 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 . Form 11-K - SEC 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. 83. Thus, the ability of a stable value fund to pay withdrawals at book value depends on the ability of the Stability Provider(s) to make payments under the Stabilizing Agreements. For the avoidance of doubt, Competing Investment Option will not include any self-directed brokerage account, or any investment option made available through a self-directed brokerage account. FTSE Treasury Bill 3-Month Index: An unmanaged, market capitalization weighted, index of 3-month Treasury bills. If the sub-account inception date is after December 8, 2014, then the Signature Menu introduction date is the same as the sub-account inception date.Returns for any period greater than one year are annualized. PDF Prudential Stable Value Fund - Prudential Financial The risk category in which a Fund is placed is determined based on where the 10 year Standard Deviation (defined below) of the underlying fund's Morningstar Category falls on the following scale: if the 10 year Standard Deviation of the underlying fund's Morningstar Category is 15.00 or higher, the Fund is classified as "Aggressive;" between 13.00 and 14.99 as "Growth;" between 7.00 and 12.99 as "Growth & Income;" between 2.00 and 6.99 as "Income;" and 1.99 and below as "Conservative." The investment in the Stable Value Fund is a contractual account with New York Life Trust Company ("New York Life"). JOHN HANCOCK STABLE VALUE RETURN FUND R6 - Insider
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