The highest speculative-grade rating is Ba1. Consult your John Hancock representative for details. Ratings are for John Hancock Life Insurance Company (U.S.A.) (John Hancock) and do not apply to any separate investment accounts or sub- accounts offered by John Hancock or its affiliates. Collective investment trusts (CITs) are tax-exempt, pooled investment vehicles maintained by a bank or trust company, and they're available only to ERISA-qualified retirement accounts. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. Contact your John Hancock representative if you wish to obtain a copy. The financial statement effects of a tax position are recognized when the position is more likely than not, based on the technical merits, to be sustained upon examination by the IRS. It is divided into two sections, investment grade and speculative grade. JSJWX Quote - John Hancock Stable Value Portfolio Fund Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York). Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York). The Fund is available for 401 (k), 401 (a), governmental 457 (b) and Taft-Hartley plans. These charges, if included, would otherwise reduce the total return for a participants account. Principal risks include:merger and replacement, asset-backed security, market risk for Fixed Income, extension, John Hancock, investment grade, stablilizing agreement/wrap provider, risk of increase expenses, interest rate Fixed Income, manager risk for Fixed Income, credit and counterparty, prepayment and maturity/duration. Date sub-account or Guaranteed Interest Account first available under group annuity contract.This class was introduced February 23, 2007. 52. + When contributions are allocated to Funds under your employer's group annuity contract with John Hancock, they will be held in a sub-account (also referred to as "Fund"), which invests in shares of the specified underlying mutual fund, collective trust, ETF or a combination of these. Morningstar calculates monthly breakpoints using the effective duration of the Morningstar Core Bond Index in determining duration assignment. Fees and expenses are only one of several factors that you should consider when making investment decisions. Ultrashort Bond: Ultrashort bond portfolios invest primarily in investment-grade U.S. fixed-income issues and have durations of less than one year (or, if duration is unavailable, average effective maturities of less than one year). Prospectuses are not required and prices are not available in local publications. 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

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