Both John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York do business
under certain instances using the John Hancock Retirement Plan Services name. Group annuity contracts and
recordkeeping agreements are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210
(not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595. Product
features and availability may differ by state. John Hancock Investment Management Services, LLC, a registered
investment adviser, provides investment information relating to the contracts. Plan administrative services
may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.
NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY
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