For these services, John Hancock and its affiliates receive additional fees which are included in the underlying fund expense ratio (i.e. John Hancock Retirement Offers New Stable Value Guaranteed Income Fund Categories may be changed based on recent changes to the portfolio. 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. It is divided into two sections, investment grade and speculative grade. Past performance is no guarantee of future results. All other performance data is actual (except as otherwise indicated). Morningstar ratings are applicable to the underlying only and reflect historical risk-adjusted performance as of the most recent calendar quarter-end. **A funds investment objectives, risks, charges, and expenses should be considered carefully before investing. The performance data for a sub-account for any period prior to the sub-account Inception Date is hypothetical based on the performance of the underlying investment since inception of the underlying investment. Performance data reflects changes in the prices of a sub-account's investments (including the shares of an underlying mutual fund, collective trust, or ETF), reinvestment of dividends and capital gains and deductions for the sub-account charges.The performance data presented represents past performance. Peer groups are unmanaged and cannot be invested in directly. Performance information current to the most recent month-end is available on our website myplan.johnhancock.com. Fees and expenses are only one of several factors that you should consider when making investment decisions. 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. These transactions qualify as party-in-interest . All rights reserved. The fund's primary investment objectives are to preserve principal, maintain a competitive . Morningstar data is 2023 by Morningstar, Inc. All rights reserved. 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. Analysis of performance and other indicative facts are also considered. 239. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely. As a result of this review, or if requested by a fund company, additional restrictions may be imposed on a participant's retirement account, including but not limited to:Applying redemption fees and/or trade restrictions as requested by the underlying fund manager. 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. 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. For current ratings, please visit www.johnhancock.com/who-we-are.html and refer to the Fact Sheet. Often, the issuer of asset-backed securities is a special purpose entity and the investors recourse is limited to the assets comprising the pool. apply to regular allocations, loans, or withdrawalsIn addition, on an ongoing basis, participant account activity is reviewed for trading activity that, though within the monthly exchange limit, could be detrimental to an underlying fund and/or contrary to its exchange policies, as described in the funds prospectus.
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