Enrolling: the choice is yours - ASA College · the choice is yours On the phone Call us at...

Watch how easy it is to enroll with John Hancock, go to jhenrollment.com

OnlineGo to www.jhgoenroll.com

Enrolling: the choice is yours

On the phoneCall us at 1-855-JHENROLL (543-6765) Talk to an enrollment representative to enroll on the phone. They can also answer

questions you may have around the process of joining your company’s plan, moving

other retirement plans into your new plan and much more. We are available from

8 a.m. to 8 p.m. (EST), Monday to Friday.

Or scan this QR Code with your smartphone

Use the enrollment form

Carefully fill in all the required information including your personal details, contribution amount and

investment options. Remember to sign and date the last page of the form and return all pages to your

plan administrator.GT-P 17772-GE 11/14-24949 XX/XX/20XX 000000-X00 of 8 GAXXXXXXXXXX

CONTRIBUTIONS – Select your contribution amount

PRE-TAX CONTRIBUTIONS

I elect to contribute the following percentage or amount per pay period on a pre-tax basis+: (Select one box only)

15% 12% 9% 6% 3% OR Other: %________ or $________

YES! I want these contributions to increase by 2% or $40 each year until a maximum of 15% or $3,000 is reached

To complete this form, read the attached instructions. Return the completed form to your plan administrator.

ROTH 401(K) AFTER TAX CONTRIBUTIONS

I elect to contribute the following percentage or amount per pay period on a post-tax basis+: (Select one box only)

15% 12% 9% 6% 3% OR Other: %________ or $________

INVESTMENT OPTIONS – Select your investment options. Choose either 1. EZCHOICE OR 2. YOUR CHOICE

1. EZCHOICE: Check ONE box only in this section. 100% of your contributions will be placed in this portfolio.

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PERSONAL INFORMATION – Provide us information about you

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Your Enrollment Form

Need help?Talk with your personal enrollment specialist at

1-855-JHENROLL (543-6765)

Your company’s plan offers investment options through its group annuity contract with John Hancock Life Insurance Company (U.S.A.)

+ Subject to the plan’s contribution limit and IRS limits.

Last Name First Name, InitialP L E A S E P R I N T P L E A S E P R I N TSocial Security Number Date of birth (mmm/dd/yyyy)

X X X – X X – X X X X mmm / dd / yyyy

Target Date Portfolios (Lifecycle)

JH To – Managed Portfolio RC 100%

JH Through – Managed Portfolio RA 100%

JH Through – Active Strategies RL 100%

T. Rowe Price Retirement Funds TR 100%

American Century One Choice AM 100%

Lifestyle Portfolios

Conservative CLS 100% CLM 100% CLV 100% CRS 100%

Moderate MLS 100% MLM 100% MLV 100% MRS 100%

Balanced BLS 100% BLM 100% BLV 100% BRS 100%

Growth GLS 100% GLM 100% GLV 100% GRS 100%

Aggressive ALS 100% ALM 100% ALV 100% ARS 100%

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If you selected EZCHOICE, go directly to page 8 to review the Moving Forward information and sign the form.

COMPANY NAMEABC Company

CONTRACT NUMBER 00012345

JH Lifestyle Active

Strategies

JH LifestyleManagedPortfolios

JH ManagedVolatility

Portfolios

RussellLifePoints

Strategy Funds

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You will need your Contract number: and your Enrollment access number: It’s quick and easy!

BEFORE you begin

GT-P 20676-EFO

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Made with QRHacker.com

Congratulations! By deciding to participate in ASA INSTITUTE OF BUSINESS' qualified retirement plan, you are taking control of your financial future. From the day you join, your retirement plan starts working to help you build your retirement savings.

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Things you need to know

If you have any questions

Your plan administrator can

help you with any questions you

may have about your company’s

qualified retirement plan, your

eligibility for the plan, naming a

beneficiary, this form or if you

require another form. More

information is also available at

www.jhnypensions.com.

About choosing a contribution amountThere are TWO ways you can contribute to your qualified retirement account:Qsf.uby; your contributions are not taxed until you retire and may be in a lower tax bracket.

Bgufs.uby )Spui*; your contributions are taxed now.

Contributions, including salary deferral contributions, salary deferral treated as catch-up contributions, and any plan transfers from either your current employer or a previous qualified plan (as acceptable by your current plan), will be invested in the same manner unless otherwise directed by either you on our website or your company. Exceptions may include: 1) Employer contributions (if applicable) directed by your employer and/or, 2) Rollover contributions as directed by you via a Roll-in form.

About choosing your investment optionsThere are TWO ways to choose how your contributions will be allocated:1) EZChoice: With one decision, allocate all of your contributions to one professionally managed and diversified asset allocation portfolio. Choose one Lifestyle Portfolio based on your risk tolerance. On the form, they are listed in order of lower to higher risk.

PS2) Your Choice: Research and select your investment options from all of the Funds available under your company's qualified retirement plan as listed on the following pages. For more information on these Funds, see the Investment Options (Fund Sheets) section of our website or from your plan administrator. Enter the percentage you want to invest beside the corresponding Fund. If you select Your Choice, remember that you must provide whole percentages only and the total sum of all percentages must equal 100%.

Note: 1. If your allocation instructions under Your Choice are not legible or do not equal 100%, John Hancock will prorate the allocation instructions you have provided to equal 100%. In the event that John Hancock cannot prorate your instructions, your contributions will be allocated to the default investment option designated by your plan trustee.

2. If multiple boxes have been checked in the EZChoice section, if both EZChoice and YOUR CHOICE sections have been filled out, if John Hancock receives your contributions before it receives your investment instructions and/or you do not provide a signature on your enrollment form, all your contributions will be invested into the default investment option designated by your plan trustee, provided John Hancock has your first and last name and Social Security Number.

About the moving forward sectionConsolidate your retirement savingsConsolidate all your qualified retirement accounts (401(k), 457(b)*, 403(b), IRA, etc) into your new qualified retirement account^. To do this, simply indicate that you would like help consolidating your accounts on the enrollment form or call us at 1-877-525-7655.

*Only governmental 457(b) accounts can be consolidated into qualified retirement accounts.

^Speak with a Financial Representative to determine if combining your retirement accounts is suitable for you, as other options are available.

PERSONAL INFORMATION – Provide us information about you

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Last Name First Name, Initial

P L E A S E P R I N T P L E A S E P R I N TSocial Security Number Date of birth (mmm/dd/yyyy)

X X X – X X – X X X X mmm / dd / yyyy

Need help?Talk with your personal enrollment specialist

at 1-855-JHENROLL (543-6765)

To complete this form, read the attached instructions. Return the completed form to your plan administrator.

Your Enrollment FormDPNQBOZ OBNFASA INSTITUTE OF BUSINESSDPOUSBDU OVNCFS81214

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t CONTRIBUTIONS – Select your contribution amount

PRE-TAX CONTRIBUTIONSJ fmfdu up dpousjcvuf uif gpmmpxjoh qfsdfoubhf ps bnpvou qfs qbz qfsjpe po b qsf.uby cbtjt,; )Tfmfdu pof cpy pomz*

15% 12% 9% 6% 3% OR Other: ________ % or $ ________

ROTH 401(K) AFTER TAX CONTRIBUTIONSJ fmfdu up dpousjcvuf uif gpmmpxjoh qfsdfoubhf ps bnpvou qfs qbz qfsjpe po b qptu.uby cbtjt,; )Tfmfdu pof cpy pomz*

15% 12% 9% 6% 3% OR Other: ________ % or $ ________+ Subject to the plan's contribution limit and IRS limits.

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t INVESTMENT OPTIONS – Select your investment options. Choose either 1. EZCHOICE OR 2. YOUR CHOICE

1. EZCHOICE: Check ONE box only in this section. 100% of your contributions will be placed in this portfolio.

Lifestyle Portfolios

JH LifestyleActive

Strategies

Conservative

Moderate

Balanced

Growth

Aggressive

NLC 100%

NLM 100%

NLB 100%

NLG 100%

NLA 100%

Your company's plan offers investment options through its group annuity contract with John Hancock Life Insurance Company (New York)

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If you selected EZCHOICE, go directly to page 4 to review the Moving Forward information and sign the form.

Enrollment Form continued

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2. YOUR CHOICE: Enter a percentage for each investment option into which your contributions will be placed.

A selection of detailed Fund sheets is available on our website,

along with Returns and Fees information for the most recent

month-end. These contain important information for each

investment option available under the group annuity contract,

including details on the underlying mutual funds, investment

objectives, level of risk, underlying allocations and charges, as well

as other important information about the investment options which

should be carefully considered. Please read this information carefully prior to choosing your investment options.

n You can choose professionally constructed and mixed

portfolios, create your own mix, or a combination of both.

n Each investment option you can choose from is color-coded

to show the level of risk and potential return. Each color

represents a different level of risk versus potential return,

ranging from conservative (blue) to aggressive (red).

n The total sum of all percentages must equal 100%.

Note: Allocating assets to only one or a small number of the investment options (other than professionally constructed and mixed Portfolios) should not be considereda balanced investment program. In particular, allocating assets to a small number of options concentrated in particular business or market sectors will subject your account to increased risk and volatility. Examples of business or market sectors where this risk may be particularly high include: a) technology-related businesses, including Internet related businesses, b) small cap securities and c) foreign securities. We do not provide advice regarding appropriate investment option allocations. Contact your financial representative for more details.

Other than the Guaranteed Interest Accounts, unit values depend on market performance and are NOT guaranteed.

Asset Allocation PortfoliosLifestyle Portfolios CODE %

Active Strategies – sub-advised by John Hancock Asset Mgmt

JH Lifestyle Conservative - Active Strategies NLC

JH Lifestyle Moderate - Active Strategies NLM

JH Lifestyle Balanced - Active Strategies NLB

JH Lifestyle Growth - Active Strategies NLG

JH Lifestyle Aggressive - Active Strategies NLA

Individual Investment OptionsConservative CODE %

3-Year Guaranteed Interest Account 3YC



Money Market Fund – sub-advised by John Hancock Asset Management

NMM

Income CODE %

Vanguard Short-Term Federal Fund – sub-advised by Vanguard Group, Inc.

NSG

Fidelity Advisor Total Bond Fund – sub-advised by Fidelity Management & Research Company (Fidelity)

NFB

Investment Quality Bond Fund – sub-advised by Wellington Management Company, LLP

NCG

T. Rowe Price Spectrum Income Fund – sub-advised byT. Rowe Price Associates, Inc.

NIN

PIMCO Real Return Fund – sub-advised by Pacific Investment Management Company

NRB

PIMCO Global Bond Fund – sub-advised by Pacific Investment Management Company

NPF

High Yield Fund – sub-advised by Western Asset Management Co. (WAMCO)

NHI

Growth & Income CODE %

Fundamental Large Cap Value Fund – sub-advised by John Hancock Asset Management

NQV

American Balanced Fund – sub-advised by American Funds Group

NAB

Washington Mutual Investors Fund – sub-advised by American Funds Group

NWM

Franklin Mutual Global Discovery Fund – sub-advised by Franklin Templeton

NDI

Franklin Mutual Beacon Fund – sub-advised by Franklin Templeton

NMV

JPMorgan Mid Cap Value Fund – sub-advised by J.P. Morgan Investment Management Inc.

NMK

The Investment Company of America – sub-advised byAmerican Funds Group

NVC

500 Index Fund – sub-advised by John Hancock Asset Management

NIX

T. Rowe Price Equity Income Fund – sub-advised by T. Rowe Price Associates, Inc.

NDV

Equity Income Fund – sub-advised by T. Rowe Price Associates, Inc.

NEQ

Growth CODE %

Utilities Fund – sub-advised by MFS Investment Management

NUF

Turn the page for more investment options...

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INVESTMENT OPTIONS continued – Sfnjoefs; tljq up qbhf 5 jg zpv tfmfdufe F[Dipjdf/


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Growth CODE %

Total Stock Market Index Fund – sub-advised by John Hancock Asset Management

NTS

Domini Social Equity Fund – sub-advised by Domini Social Investments & Wellington Management

NSR

JPMorgan U.S. Equity Fund – sub-advised by J.P. Morgan Investment Management Inc.

NJE

The Growth Fund of America – sub-advised by American Funds Group

NFA

Capital Appreciation Fund – sub-advised by Jennison Associates LLC

NAF

Blue Chip Growth Fund – sub-advised by T. Rowe PriceAssociates, Inc.

NBC

John Hancock Disciplined Value Fund – sub-advised byRobeco Investment Management, Inc.

NDD

Value Fund – sub-advised by Invesco Advisers, Inc. NVL

Small Cap Value Fund – sub-advised by Wellington Management Company, LLP

NSH

Mid Cap Index Fund – sub-advised by John Hancock Asset Management

NMI

Aggressive Growth CODE %

Financial Industries Fund – sub-advised by John Hancock Asset Management

NFF

T. Rowe Price Health Sciences Fund – sub-advised by T.Rowe Price Associates, Inc.

NHF

Real Estate Securities Fund – sub-advised by DeutscheAsset Management, Inc.

NRE

American Century Heritage Fund – sub-advised by American Century Investment Management, Inc.

NHR

Invesco Small Cap Growth Fund – sub-advised by Invesco Advisers, Inc.

NSM

EuroPacific Growth Fund – sub-advised by American Funds Group

NEP

Templeton World Fund – sub-advised by Franklin Templeton

NDC

Aggressive Growth CODE %

Oppenheimer Global Fund – sub-advised by OppenheimerFunds, Inc.

NWW

Franklin Small-Mid Cap Growth Fund – sub-advised byFranklin Templeton

NSF

Science & Technology Fund – sub-advised by T. Rowe Price Associates, Inc. & Allianz Global Investors U.S., LLC

NSC

Small Cap Index Fund – sub-advised by John Hancock Asset Management

NSI

Mid Cap Stock Fund – sub-advised by Wellington Management Company, LLP

NMS

DFA US Small Cap Fund – sub-advised by Dimensional Fund Advisors, Inc. (DFA)

NCP

International Equity Index Fund – sub-advised by SSgAFunds Management, Inc.

NII

Oppenheimer Developing Markets Fund – sub-advisedby OppenheimerFunds, Inc.

NDM

International Small Cap Fund – sub-advised by Franklin Templeton

NIT

T. Rowe Price Science & Technology Fund – sub-advised by T. Rowe Price Associates, Inc.

NST

DFA U.S. Targeted Value Fund – sub-advised by Dimensional Fund Advisors, Inc. (DFA)

NDT

International Value Fund – sub-advised by Franklin Templeton

NIL

Vanguard Energy Fund – sub-advised by Vanguard Group, Inc.

NVE

‘Your Choice’ TOTAL IMPORTANT – The total of all your fund selections in the ‘Your Choice’ section MUST EQUAL 100%100%

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MOVING FORWARD – Taking advantage of other benefits

CONSOLIDATE MY ACCOUNTS

YES! I would like help in consolidating my retirement accounts.*

Contact me at (_______) _______ - ____________ and _____________________________________________ (email address**)

to discuss my options. The best time to call is around _____ A.M/P.M. EST (or, call us directly at 1-877-525-7655). *Available for plans utilizing John Hancock’s consolidation services; rollovers are subject to the provisions of your company’s plan. **Email addresses will only be used for consolidation services.

SIGNATURE

I elect not to contribute at this time. Note: Contact your plan administrator to determine the next plan entry date.

I acknowledge that if I have selected the I elect not to contribute box on this form, I will not be making any contributions to the plan.

I acknowledge that this plan offers investment options through my company's group annuity contract with John Hancock and that I have read and understand the instructions that accompany this form including information on EZChoice, Your Choice and the terms, conditions, restrictions, fees and risk that relate to them and other parts of the instructions. If I have selected a Target Date Portfolio in the EZChoice section,I understand that my portfolio will be based on my provided age and with a target retirement date that is closest to the year that I attain age 67.

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t m m m / d d / y y y yXSignature of Participant Print Name Date

John Hancock Life Insurance Company of New York (John Hancock New York) is referred to as "John Hancock".

Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company of New York, Valhalla, New York 10595. The Investment Management Services Division of John Hancock provides investment information relating to the group annuity contract.

Not insured by the Federal Deposit Insurance Corporation (FDIC) | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY

© 2016 All rights reserved.Make sure you sign above, then return form and any other items to your plan administrator.

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Note: Your plan may be subject to the joint and survivor annuity requirement. If it is, check with your plan

administrator, as a different beneficiary form may be required. Your plan administrator can tell you if this requirement

applies to your plan. For other plans, you must elect your spouse as sole Primary Beneficiary, unless he/she consents in

writing to your naming another Primary Beneficiary.

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Return to your plan administrator. Do NOT return to John Hancock.

Signature of Participant Date

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mmm / dd / yyyyX

SIGNATURE

I hereby designate the above individual(s) as my beneficiary(ies) to receive the benefit payable (if any) under this plan in respect of my death. I understand that if I outlive my primary beneficiary(ies), benefits will be paid to my estate on my death unless I designate a contingent beneficiary(ies).

Name (Last Name, First Name, Initial) – PLEASE PRINT

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Extra Page for Additional Beneficiaries Attached. If you require additional space to include more primary and/or contingent beneficiaries, please attach a separate page providing all the above designation information and the percentage of each beneficiary. Note: Percentage shares must equal 100% for both primary and contingent beneficiaries.

MARRIED participant – I understand that I must elect my spouse as sole Primary Beneficiary under this plan unless he/she consents in writing to my naming another Primary Beneficiary. (See your plan administrator for a Spousal Consent Form if naming a Primary Beneficiary other than your spouse.)

UNMARRIED participant – I understand that the following designation becomes null and void in the event of my marriage. I will promptly inform my plan administrator of any change in my marital status.

CONTRACT NUMBER

SOCIAL SECURITY NUMBER

X X X – X X – X X X X

PRIMARY BENEFICIARY

Name (Last Name, First Name, Initial) – PLEASE PRINT Telephone number

Social security number Date of birth Relationship to participant % Share

X X X – X X – X X X X mmm / dd / yyyyAddress City State Zip code

CONTINGENT BENEFICIARY

Name (Last Name, First Name, Initial) – PLEASE PRINT Telephone number

Social security number Date of birth Relationship to participant % Share

X X X – X X – X X X X mmm / dd / yyyyAddress City State Zip code

BENEFICIARY DESIGNATION

Beneficiary Designation FormBeneficiary designation information below is solely for the benefit of the plan administrator of ASA INSTITUTE OF BUSINESS. This information shall not be maintained or acted upon by John Hancock New York. Report any change to this information directly to the plan administrator at your company.

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404a-5 Plan & Investment NoticeTHE TRUSTEES OF ASA INSTITUTE OF BUSINESS & COMPUTER TECHNOLOGY 401(K)

PROFIT SHARING PLAN As of May 24, 2016 This disclosure statement contains important information regarding your retirement plan that we, as Plan Sponsor, are required to provide underERISA Reg. section 404a-5. You are receiving this disclosure because you are eligible to participate in the plan or you have the right to directthe investment of an account under the plan. In this document, you will find information about how the plan works, the expenses that may becharged, and information that will help you make informed decisions when selecting and managing the investment of your account.

General Plan Information The following provides an explanation of how you may direct investments in the Plan and outlines the restrictions and policies that apply to the investment optionsavailable under your Plan: HOW TO PROVIDE YOUR INVESTMENT INSTRUCTIONSYou can direct your Plan investments using any of the following:

• Enrollment form

• Investment change form

• Participant website at www.jhnypensions.com

• Participant services toll-free line at 800-395-1113 or 800-363-0530 for Spanish

You may direct the investment of the funds held in your plan account to any of the investment options outlined in the attached Investment Comparative Chart. TIMELINES REGARDING YOUR INVESTMENT INSTRUCTIONSInvestment Instructions:

• Can be given using the options outlined above.

• Can be given at any time unless you are provided an addendum that states restrictions on the times at which you may provide investment instructions.

• Are generally processed on the same business day, provided they are received by John Hancock before 4 p.m. EST (or before the New York Stock Exchange closes, ifearlier). If received on or after 4 p.m. EST, they will be processed the next business day.

SHORT-TERM TRADING POLICYChanges to your investments under your qualified retirement plan account are subject to the following short-term trading guidelines of John Hancock and may becancelled if not within these guidelines:

• Investment exchanges can be made up to a maximum of two exchanges per calendar month.

• In the event that there may be extreme market or personal circumstances requiring you to make an additional change, you may move 100� of your assets to theMoney Market Fund after the exchange limit has been reached; no subsequent exchanges may be made for 30 days. Once the 30-day hold has expired, you can thentrade again in accordance with the above guideline.

• At the request of the fund company of an underlying fund, and as outlined in their prospectus, the following additional restrictions may be imposed on your account,including but not limited to:

• Applying redemption fees and/or trade restrictions which may be more restrictive than the above guidelines,

• Restricting the number of exchanges made during a defined period,

• Restricting the dollar amount of exchanges,

• Restricting the method used to submit exchanges (i.e. requiring exchange requests to be submitted in writing via U.S. mail),

• Restricting exchanges into and out of certain investment options.

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REDEMPTION FEESAn underlying mutual fund may apply a redemption fee or other fee for certain investment transfers.

• This fee is deducted from your account.

• For a list of the funds that have redemption fees, refer to the Investment Comparative Chart or go to the investment options tab at www.jhnypensions.com for themost recent listing.

RESTRICTIONS REGARDING INVESTING IN THE GUARANTEED INTEREST ACCOUNTSIf you choose to invest in a Guaranteed Interest Account, the following restrictions apply:

• In each reporting year, you may transfer at book value up to 20� of your opening account balance of each Guaranteed Interest Account to any investment optionoutlined in the Investment Comparative Chart on the following dates Jan 1, Apr 1, Jul 1, Oct 1. All transfers from any Guaranteed Interest Account to the MoneyMarket Fund may be subject to a Market Value Adjustment (lesser of book or market value).

• Any transfer that is in excess of the 20� limit (and any Guaranteed Interest Account transfer made on a date other than the dates specified above) may be subject toa Market Value Adjustment (lesser of book or market value).

• A market value formula will apply to the following withdrawals which may result in a Market Value Adjustment (lesser of book or market value):

• Plan Discontinuances

• In-service Withdrawals

• Pre-retirement withdrawals at 59 1/2

• Withdrawals of employee voluntary (after-tax) monies

• Hardship Withdrawals issued from the Guaranteed Interest Accounts will be at book value.

• Loans issued from the Guaranteed Interest Accounts will be at book value.

• For questions or more details on whether a market value adjustment will be applied, call the John Hancock participant services toll free line at 800-395-1113 or800-363-0530 for Spanish.

Note: Transfers between Guaranteed Interest Accounts (e.g. 3-yr to 5-yr) are not permitted. DESIGNATED INVESTMENT ALTERNATIVESYour Plan provides designated investment alternatives into which you can direct the investment of your account balance.

• For a full listing of these Funds, including applicable important information, refer to the attached Investment Comparative Chart.

• A listing of the Funds available for selection can also be accessed under the investment options tab on the Participant website at www.jhnypensions.com.

Administrative Expenses The following administrative charges are applied to your account for services related to the operation of the plan. Percentage-based expenses shown below are annualcharges which will be converted to a monthly rate and applied to your month-end account balance (i.e. calculated on a 'pro-rata' basis). Dollar-based expenses areannual amounts which will be converted to a monthly charge unless specified otherwise (i.e. calculated on a 'per participant' basis). Expenses that are actuallydeducted from your account will appear on your quarterly benefit statements.

• Your plan has engaged John Hancock to provide record-keeping services such as educational resources, transaction processing, investment platform, quarterlystatements and website tools. Dollar-based charges* are currently waived. Percentage-based charges*, if applicable, are offset by credits that have been negotiatedby your plan sponsor. As a result, a credit of 0.10�** is currently being applied to your account on a pro-rata basis. Any charges and/or credits will appear on yourquarterly benefit statements. * Charges may fluctuate or be waived based on the total assets in the plan, according to a pre-set fee schedule and other conditions agreed to by your plan sponsor and JohnHancock. Total applicable percentage-based charges for your plan are currently waived. **The credit rate is an annual rate which will be converted to a monthly rate and applied to your month-end account balance. The rate may vary depending on the applicablepercentage-based charges. If the rate of the charge that applies is higher than the rate of the negotiated credits, a net charge equal to the difference between such rates will beconverted into a monthly rate and applied to your account balance at the end of each month.

• The ongoing administration and management of your plan requires additional services such as fund selection and monitoring, consulting, plan compliance, planreporting, and other administrative services. Charges will be applied to your account as follows: 0.60� on a pro-rata basis.

If you have any questions, please contact your plan sponsor.

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Individual Expenses Your Plan imposes additional charges if you elect to use certain services/features. These charges are imposed specifically against your account, and are not imposed on aplan-wide basis. Expenses deducted from your account will appear on your quarterly benefit statements. As of May 24, 2016 the fees listed below apply if you use any of the services or features below:

Fee Type Amount Special Notes

Loan Fee �2.00 Per loan, per month

Mailed Detailed Statement Fee �1.00 Per statement per quarter

Death Withdrawal �90.00

Disability Withdrawal �90.00

Withdrawal of Employee Rollover Money �90.00

Hardship Withdrawal �90.00

In-Service Withdrawal (Age 59 1/2) �90.00

Pre-Retirement Withdrawal �90.00

Loan Set-up �150.00

Qualified Domestic Relations Order Withdrawal �150.00

Retirement Withdrawal �90.00

Termination of Employment Withdrawal �90.00

This material is for information purposes only. John Hancock New York does not provide investment, tax, plan design or legal advice. Please consult your ownindependent advisor as to any investment, tax, plan design-related or legal statements made herein. Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, Valhalla, NewYork 10595. John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Planadministrative 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 © 2015 All rights reserved. GT-P 21489-NY 12/12-21489 GA101812120977

of 18Investment Options as of May/24/2016

Investment Comparative ChartTHE TRUSTEES OF ASA INSTITUTE OF BUSINESS & COMPUTER TECHNOLOGY 401(K) PROFIT

SHARING PLAN

This document includes important information to help you compare the investment options available under your retirement plan. If you would like to receive additional investment-related information aboutany of the investment options listed below - including performance data and the option's principal risks - go to the Fund's corresponding website address (shown in the table) or to www.jhnypensions.com.To obtain more information, or to receive a paper copy (at no cost) of the information available on the websites, contact Viktoryia Bohdan at (718) 534-0797 and 151 LAWRENCE STREET, BROOKLYN, NY,

11201

DOCUMENT OVERVIEWThis document is comprised of two sections; Performance Information and Fee and Expense Information.

Performance Information

This section outlines your retirement plan investment options, how they have performed over time and allows you to compare with an appropriate benchmark for the same time period. Benchmark returns areshown for comparative purposes only. Benchmark returns represent the performance of market indices, which cannot be invested in directly, and their returns are calculated without taking into account anyinvestment fees and/or expenses. Hypothetical Returns are shown in bold.

The data presented represents past performance and does not guarantee future performance. Current performance may be lower or higher than the performance quoted. An investment in a sub-account willfluctuate in value to reflect the value of the sub-account's underlying securities and, when redeemed, may be worth more or less than original cost. Performance does not reflect any applicable contract-level orcertain participant-level charges, or any redemption fees imposed by an underlying mutual fund company. These charges, if included, would otherwise reduce the total return for a participant's account. Participantscan call 1-800-395-1113 or visit www.jhnypensions.com for more information.

Fee and Expense Information

This section shows fee and expense information for the investment options available under your contract. Total Annual Operating Expenses and Shareholder-type Fees (if applicable) are outlined as they relate toeach investment option. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. It is important to understand that the investment rate of return, as set out in thePerformance Information section, is calculated net of the Total Annual Operating Expenses of the investment option. However, such returns do not take into account any applicable Shareholder-type fees, which arein addition to the Total Annual Operating Expenses of the investment option.

The Total Annual Operating Expenses ("TAOE") is made up in part by the expenses of the underlying fund based on the underlying fund's expense ratios reported in the most recent prospectuses available as of thedate of printing; "FER"). The underlying fund is the mutual fund, collective trust, or exchange traded fund in which the sub-account invests. § The underlying fund of this sub-account has either waived a portion of,or capped, its fees. The TAOE is that of the sub account and reflects the net expense ratio of the underlying fund after such expense waiver or cap is applied. Please see the Fund Sheet for details, including grossexpenses.

The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor's website for an example showing the long-term effect of fees andexpenses at www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whetheran investment in a particular option, along with your other investments, will help you achieve your financial goals.


NOTE: The Fund Code can be found in brackets beside the Fund name.

LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I

Conservative C Lifestyle LS

VARIABLE RETURN INVESTMENTS*

The table below focuses on the performance of investment options that do not have a fixed or stated rate of return.

Name/Type of Option

ReturnYTDas of

04/30/2016

Average Annual Total Returnas of 12/31/2015

1 yr. 5 yr. 10 yr.Since

Inception

BenchmarkYTDas of

04/30/2016

Benchmark† Returnas of 12/31/2015


Inception

Total AnnualOperating Expenses

as of 04/30/2016

As a �Per

�1,000

Shareholder-Type Fees

EQUITY FUNDS

AG

Mid Cap Stock Fund (NMS)13,23,41,47,73,90

Mid Cap Growthhttp://www.viewjhfunds.com/ny/C01/nmsa/index.html

-5.23� 2.91� 10.78� 7.79� 6.57� 0.51�-0.20� 11.54� 8.16� 6.55�

Russell MidCap Growth TR1.01� �10.10 N/A

AG

Franklin Small-Mid Cap Growth Fund (NSF)Mid Cap Growthhttp://www.viewjhfunds.com/ny/C01/nsfa/index.html

-1.49� -2.08� 8.97� 6.91� 10.18% 0.51�-0.20� 11.54� 8.16� 9.28�


AG

American Century Heritage Fund (NHR)54,87

Mid Cap Growthhttp://www.viewjhfunds.com/ny/C01/nhra/index.html

-1.82� 1.65� 9.20� 9.79% 11.22% 0.51�-0.20� 11.54� 8.16� 10.89�


AG

DFA U.S. Targeted Value Fund (NDT)25

Small Cap Valuehttp://www.viewjhfunds.com/ny/C01/ndta/index.html

4.48� -6.29� 8.58� 6.21% 10.53% 3.85�-7.46� 7.67� 5.57� 9.18�

Russell 2000 Value TR0.97� �9.70 N/A

AG

DFA US Small Cap Fund (NCP)31,54

Small Cap Blendhttp://www.viewjhfunds.com/ny/C01/ncpa/index.html

2.59� -3.87� 9.90� 7.26% 10.10% 0.02�-4.41� 9.18� 6.80� 9.19�

Russell 2000 TR0.97� �9.70 N/A

AG

Invesco Small Cap Growth Fund(NSM)17,18,44,57,67,130

Small Cap Growthhttp://www.viewjhfunds.com/ny/C01/nsma/index.html

-1.23� -1.68� 11.59� 8.64� 10.23% -3.73�-1.38� 10.67� 7.95� 6.60�

Russell 2000 Growth TR1.07� �10.70 N/A

AG

International Value Fund (NIL)9,13,23,47,73

International/Global Valuehttp://www.viewjhfunds.com/ny/C01/nila/index.html

5.98� -7.87� 1.04� 2.44� 3.73� -0.19�-0.81� 3.60� 3.03� 3.34�

MSCI EAFE TR1.00� �10.00 N/A

AG

International Small Cap Fund (NIT)13,29,41,71,73

International/Global Valuehttp://www.viewjhfunds.com/ny/C01/nita/index.html

-0.54� 0.49� 2.94� 5.07� 5.76% 5.28�0.66� 1.45� 4.58� 8.62�

Citigroup Global ex USA <�2billion1.17� �11.70 N/A

AG

Templeton World Fund (NDC)41,80,81

International/Global Valuehttp://www.viewjhfunds.com/ny/C01/ndca/index.html

0.10� -6.18� 5.88� 4.22� 11.29% 1.22�-0.87� 7.59� 4.97� 9.69�

MSCI World TR1.16� �11.60 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


Name/Type of Option

ReturnYTDas of

04/30/2016



Inception

BenchmarkYTDas of

04/30/2016



Inception


as of 04/30/2016

As a �Per

�1,000


AG

§ Oppenheimer Developing Markets Fund(NDM)21,56,71

International/Global Growthhttp://www.viewjhfunds.com/ny/C01/ndma/index.html

2.68� -14.15� -2.57� 5.85� 11.67% 6.28�-14.91� -4.80� 3.61� N/A

MSCI Emerging Markets1.40� �14.00 N/A

AG

Oppenheimer Global Fund (NWW)29,56,81,130

International/Global Growthhttp://www.viewjhfunds.com/ny/C01/nwwa/index.html

-4.92� 3.79� 8.16� 5.77� 11.52% 1.22�-0.87� 7.59� 4.97� N/A


AG

EuroPacific Growth Fund (NEP)38,40,41,47,61,65,85

International/Global Growthhttp://www.viewjhfunds.com/ny/C01/nepa/index.html

-1.20� -1.08� 3.43� 4.36� 10.50% 2.24�-5.66� 1.05� 2.92� N/A

MSCI All Country World Index ex U.S.1.08� �10.80 N/A

G

§ John Hancock Disciplined Value Fund(NDD)87,106,123,130

Large Cap Valuehttp://www.viewjhfunds.com/ny/C01/ndda/index.html

1.63� -4.96� 11.57� 7.53% 14.69% 3.77�-3.82� 11.27� 6.15� 14.49�


G

§ JPMorgan U.S. Equity Fund (NJE)138,147

Large Cap Blendhttp://www.viewjhfunds.com/ny/C01/njea/index.html

-0.34% 0.46% 12.14% 8.45% 8.59% 1.74�1.38� 12.56� 7.30� 7.14�

S&P 500 TR0.96� �9.60 N/A

G

§ Domini Social Equity Fund (NSR)20,43,51,64

Large Cap Blendhttp://www.viewjhfunds.com/ny/C01/nsra/index.html

0.74� -7.48� 9.41� 5.45� 7.85% 1.74�1.38� 12.56� 7.30� 9.39�

S&P 500 TR1.35� �13.50

Redemption fee of 2.000� on all exchangeswithin a 30 day period. See Important Notesfor details.43

G

Blue Chip Growth Fund (NBC)13,57,73,90,117,153

Large Cap Growthhttp://www.viewjhfunds.com/ny/C01/nbca/index.html

-5.69� 10.93� 15.38� 9.17� 8.37% 1.74�1.38� 12.56� 7.30� 9.09�

S&P 500 TR0.96� �9.60 N/A

G

Capital Appreciation Fund (NAF)12,13,15,57,73,85,106,115

Large Cap Growthhttp://www.viewjhfunds.com/ny/C01/nafa/index.html

-6.29� 11.27� 14.22� 8.25� 4.77% -0.17�5.66� 13.53� 8.53� 4.09�

Russell 1000 Growth TR0.88� �8.80 N/A

G

The Growth Fund of America (NFA)9,38,40,61,65

Large Cap Growthhttp://www.viewjhfunds.com/ny/C01/nfaa/index.html

-1.00� 5.07� 11.84� 6.96� 8.85% 1.74�1.38� 12.56� 7.30� 8.62�

S&P 500 TR0.93� �9.30 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


Name/Type of Option

ReturnYTDas of

04/30/2016



Inception

BenchmarkYTDas of

04/30/2016



Inception


as of 04/30/2016

As a �Per

�1,000


G

Value Fund (NVL)13,22,77,91,106,123

Mid Cap Valuehttp://www.viewjhfunds.com/ny/C01/nvla/index.html

2.25� -8.98� 9.86� 7.90� 7.97% 6.15�-4.77� 11.25� 7.60� 10.10�

Russell MidCap Value TR0.92� �9.20 N/A

G

Small Cap Value Fund (NSH)13,22,23,53,91

Small Cap Blendhttp://www.viewjhfunds.com/ny/C01/nsha/index.html

5.33� -1.46� 10.47� 8.61� 12.74% 3.85�-7.46� 7.67� 5.57� 8.75�


G&

I

Equity Income Fund (NEQ)13,31,54,73

Large Cap Valuehttp://www.viewjhfunds.com/ny/C01/neqa/index.html

5.16� -6.88� 8.56� 5.54� 8.30% 3.77�-3.82� 11.27� 6.15� 9.50�


G&

I

T. Rowe Price Equity Income Fund (NDV)30,31,54,130

Large Cap Valuehttp://www.viewjhfunds.com/ny/C01/ndva/index.html

5.02� -7.08� 8.25� 5.27� 10.24% 1.74�1.38� 12.56� 7.30� 10.89�

S&P 500 TR1.11� �11.10 N/A

G&

I

Washington Mutual Investors Fund(NWM)38,40,61,65

Large Cap Valuehttp://www.viewjhfunds.com/ny/C01/nwma/index.html

2.85� -0.48� 11.75� 6.66� 7.49% 1.74�1.38� 12.56� 7.30� N/A

S&P 500 TR0.89� �8.90 N/A

G&

I

Fundamental Large Cap Value Fund(NQV)5,13,39,73,101,102,117

Large Cap Valuehttp://www.viewjhfunds.com/ny/C01/nqva/index.html

-3.70� -1.21� 12.94� 5.78� 7.19� 3.77�-3.82� 11.27� 6.15� 7.39�


G&

I

The Investment Company of America(NVC)38,40,61,65

Large Cap Blendhttp://www.viewjhfunds.com/ny/C01/nvca/index.html

5.29� -1.75� 10.43� 6.24� 11.36% 1.74�1.38� 12.56� 7.30� N/A

S&P 500 TR0.90� �9.00 N/A

G&

I

Franklin Mutual Beacon Fund (NMV)41,61,96,132

Large Cap Blendhttp://www.viewjhfunds.com/ny/C01/nmva/index.html

3.87� -4.45� 8.23� 4.61� 7.97% 1.74�1.38� 12.56� 7.30� N/A

S&P 500 TR1.18� �11.80 N/A

G&

I

§ JPMorgan Mid Cap Value Fund (NMK)12,32,71

Mid Cap Valuehttp://www.viewjhfunds.com/ny/C01/nmka/index.html

4.33� -2.84� 12.37� 8.31� 12.28% 6.15�-4.77� 11.25� 7.60� 9.29�

Russell MidCap Value TR1.25� �12.50 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


Name/Type of Option

ReturnYTDas of

04/30/2016



Inception

BenchmarkYTDas of

04/30/2016



Inception


as of 04/30/2016

As a �Per

�1,000


G&

I

Franklin Mutual Global Discovery Fund(NDI)42,61,132

International/Global Blendhttp://www.viewjhfunds.com/ny/C01/ndia/index.html

0.12� -3.70� 6.87� 6.48� 11.33% 1.22�-0.87� 7.59� 4.97� 7.27�


BOND FUNDS

I

Vanguard Short-Term Federal Fund(NSG)15,83,120,125,142,143

High Quality Short Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/nsga/index.html

1.10� 0.26� 0.68� 2.53� 4.59% 1.53�0.93� 1.22� 3.05� 5.27�

BarCap 1-5 Yr Government0.70� �7.00 N/A

I

Investment Quality Bond Fund (NCG)13,73

High Quality Intermediate Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/ncga/index.html

3.79� -0.75� 3.38� 4.45� 6.07% 3.01�0.85� 2.76� 4.10� 5.69�

BarCap Gvt TR0.78� �7.80 N/A

I

Fidelity Advisor Total Bond Fund (NFB)138,147

High Quality Intermediate Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/nfba/index.html

4.31% -0.65% 3.17% 4.40% 4.46% 3.42�0.54� 3.24� 4.51� 4.54�

BarCap U.S. Aggregate Bond TR0.85� �8.50 N/A

I

§ PIMCO Real Return Fund (NRB)38,124

High Quality Long Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/nrba/index.html

4.48� -3.34� 1.65� 3.58� 5.47% 4.81�-1.43� 2.54� 3.93� 5.73�

BarCap U.S. TIPS1.10� �11.00 N/A

I

T. Rowe Price Spectrum Income Fund (NIN)Medium Quality Intermediate Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/nina/index.html

5.16� -2.47� 3.37� 4.76� 6.61% 3.42�0.54� 3.24� 4.51� 6.27�


I

High Yield Fund (NHI)13,45,54,69,73,115

High Yield Bondhttp://www.viewjhfunds.com/ny/C01/nhia/index.html

6.53� -8.10� 3.46� 5.72� 4.89% 7.62�-5.55� 4.61� 6.49� 6.42�

Citigroup Hi-Yld TR0.87� �8.70 N/A

I

§ PIMCO Global Bond Fund (NPF)34,55

Global Bondhttp://www.viewjhfunds.com/ny/C01/npfa/index.html

6.74� -4.15� 1.37� 4.36� 5.31% 7.30�-3.15� 0.89� 3.74� N/A

Barcap Global Aggregate1.17� �11.70 N/A

C

§ Money Market Fund (NMM)13,22,83,91,101,142,143

High Quality Short Term Fixed Incomehttp://www.viewjhfunds.com/ny/C01/nmma/index.html

-0.07� -0.49� -0.37� 0.87� 3.18% 0.07�0.02� 0.05� 1.16� 3.61�

Citigroup U.S. Domestic 3 Mo TBill TR0.66� �6.60 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


Name/Type of Option

ReturnYTDas of

04/30/2016



Inception

BenchmarkYTDas of

04/30/2016



Inception


as of 04/30/2016

As a �Per

�1,000


Money Market Fund current 7-day yield is -0.16�. The current yield quotation more closely reflects the current earnings of the Money Market Fund as of the date this report was prepared while the Annualized returns above refer toa specific past holding period reflecting the period covered by this report. Due to the Cost of Class of Funds, the subaccount's actual current yield may be lower or higher than that of the underlying trust. Although the fund strives tomaintain a positive yield, there is no guarantee the fund will be able to do so. The Expense Ratio for the Money Market Fund is as of the business day immediately preceding the current date. An investment in the underlying Money Marketfund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund seeks to preserve a value of �1.00 per share but it is possible to lose money by investing in the MoneyMarket Fund that invests in the underlying fund

OTHER FUNDS

LS

Lifestyle Aggressive 1000 Fund (NLA)13,68,101,125

Asset Allocation - Lifestylehttp://www.viewjhfunds.com/ny/C01/nlaa/index.html

0.38� -1.20� 7.17� 4.94� 4.66% 1.74�1.38� 12.56� 7.30� 6.18�

S&P 500 TR1.14� �11.40 N/A

LS

Lifestyle Growth 820 Fund (NLG)13,68,101,123,125

Asset Allocation - Lifestylehttp://www.viewjhfunds.com/ny/C01/nlga/index.html

0.85� -1.11� 6.78� 5.23� 5.44% 1.74�1.38� 12.56� 7.30� 6.18�

S&P 500 TR1.09� �10.90 N/A

LS

Lifestyle Balanced 640 Fund (NLB)9,13,68,101,123,125

Asset Allocation - Lifestylehttp://www.viewjhfunds.com/ny/C01/nlba/index.html

1.73� -1.21� 5.91� 5.16� 5.74% 1.74�1.38� 12.56� 7.30� 6.18�

S&P 500 TR1.05� �10.50 N/A

LS

Lifestyle Moderate 460 Fund (NLM)13,31,68,101,125

Asset Allocation - Lifestylehttp://www.viewjhfunds.com/ny/C01/nlma/index.html

2.75� -1.32� 5.14� 5.05� 5.77% 3.42�0.54� 3.24� 4.51� 5.26�


LS

Lifestyle Conservative 280 Fund (NLC)13,68,101,125

Asset Allocation - Lifestylehttp://www.viewjhfunds.com/ny/C01/nlca/index.html

3.34� -1.47� 4.07� 4.81� 5.66% 3.42�0.54� 3.24� 4.51� 5.26�


AG

§ International Equity Index Fund(NII)13,15,21,22,29,76,91,110

Indexhttp://www.viewjhfunds.com/ny/C01/niia/index.html

2.02� -6.23� 0.54� 2.35� 5.23% N/AN/A N/A N/A N/A

MSCI AC World Free ex US0.72� �7.20 N/A

AG

§ Small Cap Index Fund (NSI)13,22,29,76,91,101

Indexhttp://www.viewjhfunds.com/ny/C01/nsia/index.html

-0.13� -4.72� 8.86� 6.44� 6.58% 0.02�-4.41� 9.18� 6.80� 7.15�

Russell 2000 TR0.73� �7.30 N/A

AG

Vanguard Energy Fund (NVE)14,34,120,125

Sectorhttp://www.viewjhfunds.com/ny/C01/nvea/index.html

18.46� -21.92� -4.80� 1.15� 9.88% 15.19�-21.60� -4.75� 1.05� N/A

MSCI ACWI/Energy0.91� �9.10 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


Name/Type of Option

ReturnYTDas of

04/30/2016



Inception

BenchmarkYTDas of

04/30/2016



Inception


as of 04/30/2016

As a �Per

�1,000


AG

T. Rowe Price Science & Technology Fund(NST)14,62

Sectorhttp://www.viewjhfunds.com/ny/C01/nsta/index.html

-2.48� 8.18� 11.88� 9.05� 11.03% -4.27�4.77� 11.65� 8.44� 10.16�

Lipper Science & Technology1.26� �12.60 N/A

AG

Science & Technology Fund (NSC)13,14,22,57,62,91,92,122

Sectorhttp://www.viewjhfunds.com/ny/C01/nsca/index.html

-3.86� 6.58� 11.95� 9.71� 5.26% -4.27�4.77� 11.65� 8.44� 7.01�

Lipper Science & Technology1.20� �12.00 N/A

AG

Real Estate Securities Fund (NRE)13,14,57,73

Sectorhttp://www.viewjhfunds.com/ny/C01/nrea/index.html

2.76� 2.67� 11.54� 7.45� 10.31% 3.75�2.52� 11.88� 7.34� N/A

Morgan Stanley REIT0.89� �8.90 N/A

AG

T. Rowe Price Health Sciences Fund (NHF)12,14,57

Sectorhttp://www.viewjhfunds.com/ny/C01/nhfa/index.html

-10.83� 12.47� 26.52� 16.31� 14.50% -12.12�8.55� 23.78� 13.51� 12.62�

Lipper Health/Biotechnology Index1.22� �12.20 N/A

AG

Financial Industries Fund (NFF)12,13,14,15,22,91,131,132

Sectorhttp://www.viewjhfunds.com/ny/C01/nffa/index.html

-3.61� -2.74� 8.08� 4.04� 4.23� -1.82�-1.52� 10.45� -0.65� 1.16�

S&P 500 Financial1.09� �10.90 N/A

G

§ Mid Cap Index Fund (NMI)13,22,29,48,57,76,82,91,101

Indexhttp://www.viewjhfunds.com/ny/C01/nmia/index.html

4.77� -2.79� 10.11� 7.66� 8.06% 5.05�-2.17� 10.67� 8.17� 8.62�

S&P MidCap 400 TR0.66� �6.60 N/A

G

Total Stock Market Index Fund (NTS)13,22,29,76,91,101

Indexhttp://www.viewjhfunds.com/ny/C01/ntsa/index.html

1.44� -0.74� 11.31� 6.99� 4.56% 1.82�0.66� 12.08� 7.39� 4.96�

DJ Wilshire 5000 TR0.68� �6.80 N/A

G

Utilities Fund (NUF)12,13,14,22,91,115

Sectorhttp://www.viewjhfunds.com/ny/C01/nufa/index.html

10.17� -14.85� 6.96� 8.13� 6.56� 12.77�-4.84� 11.03� 7.40� 4.31�

S&P 500 Sec/Utilities TR1.02� �10.20 N/A

G&

I

American Balanced Fund (NAB)31,38,40,50,61,65

Balancedhttp://www.viewjhfunds.com/ny/C01/naba/index.html

2.90� 1.41� 9.59� 6.59� 10.39% 1.74�1.38� 12.56� 7.30� 11.32�

S&P 500 TR0.89� �8.90 N/A

G&

I

§ 500 Index Fund (NIX)9,13,22,76,91,101,110

Indexhttp://www.viewjhfunds.com/ny/C01/nixa/index.html

1.51� 0.76� 11.94� 6.75� 7.46% 1.74�1.38� 12.56� 7.30� 9.06�

S&P 500 TR0.63� �6.30 N/A



LegendAggressive

Growth AG

Growth G

Growth &Income G

&I

Income

I


FIXED RETURN INVESTMENTSThe table below focuses on the performance as well as the fees and expenses of investment options that have a fixed or stated return. The table also shows the annual 'new money' rate for each Guaranteed Interest Account, the term orlength of the option, and other information relevant to performance.

Name/Type of OptionReturnas of

05/01/2016Term Other


as of 04/30/2016

As a �Per

�1,000


C

3-Year Guaranteed (3YC)66,71,78,83,142,143

Three Year Guaranteed Interest Accounthttp://www.viewjhfunds.com/ny/C01/ngya/index.html

0.50� 3-year

C


Five Year Guaranteed Interest Accounthttp://www.viewjhfunds.com/ny/C01/ngya/index.html

0.80� 5-year

C


Ten Year Guaranteed Interest Accounthttp://www.viewjhfunds.com/ny/C01/ngya/index.html

1.00� 10-year

"Return" shown represents the annual interest rates that is establishedon the first day of the month indicated. That interest rate is applied toall contributions made to the account in that month. John Hancock mayadjust the rate of return prospectively, as each month, a new rate isdeclared and applied to contributions made that month. You may call1-800-395-1113 to obtain the most recent rate.

At the end of each reporting year, a "composite interest rate" isdetermined. The composite interest rate is a dollar-weighted averagerate of all contributions to that Guaranteed Interest Account during thatreporting year. A separate composite interest rate is calculated for eachGIA term and each reporting year, if applicable. For example, separatecomposite interest rates would be calculated for deposits made to the 3-year and 10-year GIAs. Further, separate composite interest rates wouldbe calculated for the 3-year GIAs from one reporting year to another.The GIA balance will continue to earn that reporting year's compositeinterest rate until the end of the guaranteed term. Participants withassets in a Guaranteed Interest Account can obtain more informationon the composite interest rate that applies to their account by callingParticipant Services at 1-800-395-1113 or viewing their most currentParticipant Statement.

N/A N/A

N/A N/A

N/A N/A

Transfers between a Guaranteed Interest Account andother investment options (except for transfers betweenGuaranteed Interest Accounts) may be permitted (at bookvalue) under the terms of your plan's contract with JohnHancock. Some conditions apply, including limitations as topermitted transfer dates, noted on your quarterly statement,if applicable. Transfers that are initiated on dates otherthan those specified in the contract may be subject to amarket value adjustment. Similarly, withdrawals takenfrom Guaranteed Interest Accounts prior to the end ofthe guarantee period, may be subject to a market valueadjustment. Book value transfers are subject to an annual20� book value transfer limit for each Guaranteed InterestAccount balance. Transfers in excess of this limit are made atthe lesser of book and market value.

Please visit www.ps.jhancockpensions.com/assets/pdfs/SPARK_Glossary.pdf for a glossary of investment terms relevant to the investment options under this plan.


IMPORTANT NOTESThe performance data for a sub-account for any period prior to the sub-account Inception Date is hypothetical based on the performance of theunderlying investment since inception of the underlying investment. Allother performance data is actual (except as otherwise indicated). Returns forany period greater than one year are annualized. Performance data reflectschanges in the prices of a sub-account's investments (including the sharesof an underlying mutual fund or collective trust), reinvestment of dividendsand capital gains and deductions for the expense ratio.

*Your company's qualified retirement plan offers participants the opportunityto contribute to investment options available under a group annuity contractwith John Hancock Life Insurance Company of New York (John HancockNew York). These investment options may be sub-accounts (pooled funds)investing directly in underlying mutual funds, or they may be GuaranteedInterest Accounts.

The placement of investment options within style boxes and according topotential risk/return shows John Hancock New York's assessment of thoseoptions relative to one another and should not be used to compare theseinvestment options with other investment options available outside JohnHancock New York.

†Index Performance: Index performance shown is for a broad-basedsecurities market index. Indices are unmanaged and cannot be investedin directly. Index returns were prepared using Morningstar, Inc. softwareand data. The performance of an Index does not include any portfolio orinsurance-related charges. If these charges were reflected, performancewould be lower. Past performance is not a guarantee of future results.

5The underlying fund changed its name effective on or about May 5, 2008.Performance shown for periods prior to that date reflect the results under itsformer name. The name of this sub-account changed effective on or aboutMay 5, 2008 to more accurately reflect the name of the underlying fund.

9Account balance reported may include assets transferred from anotherFund, which was permanently closed on or about April 30, 2007. Contactyour John Hancock representative for more information.

12This sub-account was introduced April 27, 2001.

13The total revenue John Hancock receives on this Fund is higher than thoseadvised or sub-advised exclusively by unaffiliated entities. John Hancockand its affiliates provide exclusive advisory and sub-advisory services for theunderlying fund. For these services, John Hancock and its affiliates receiveadditional fees which are included in the underlying fund expense ratio (i.e.Fund Expense Ratio or FER).

14The underlying fund concentrates its investments in a sector of the market.A portfolio of this type may be riskier or more volatile in price than one thatinvests in more market sectors.

15Account balance reported for this Fund may include assets transferredfrom another Fund, which will be permanently closed on or about April 26,2010. Consult your John Hancock representative for more information.

17This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective April 30,2001. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.

18The underlying fund's manager or subadviser changed its name fromInvesco AIM Capital Management to Invesco Advisers, Inc. on or about May10, 2010. Contact your John Hancock representative for more information.

20The manager for the underlying fund and its objectives changed effectiveon or about November 30, 2006. Performance shown for periods prior tothat date reflect the results under its former manager.

21This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective May 17,2004. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.

22The underlying fund changed its name effective on or about May 9, 2011.Performance shown for periods prior to that date reflect the results under itsformer name.

23Account balance reported may include assets transferred from anotherFund, which was permanently closed on or about October 29, 2007.Consult your John Hancock representative for more information.

25This sub-account was recently introduced on November 5, 2007 and maynot be available in all states. Contact your John Hancock representative todetermine if this sub-account is available to your plan.

29This sub-account was introduced August 21, 2000.

30This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective November25, 2002. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.


32This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective June 1,2009. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio. The name of this sub-account changed effective on or about June 1, 2009 to more accuratelyreflect the name of the underlying fund.

34This sub-account was introduced September 6, 2002.

38This sub-account was introduced May 2, 2003.

39This sub-account was introduced May 14, 2004.

40This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effective onor about July 28, 2008. Performance shown for periods prior to that date isbased on the performance of the current share class.

41Account balance reported may include assets transferred from anotherFund, which was permanently closed on or about October 27, 2008.Contact your John Hancock representative for more information.

42The name of this sub-account changed effective on or about November 9,2009 to more accurately reflect the name of the underlying fund. Contactyour John Hancock representative for more information.

43Important Redemption Fee Information: Domini Social Equity Fund- Effective August 18, 2008, the underlying fund will impose a 2�redemption fee on all selling/exchanges of the fund over �25,000 withina thirty-day period. The ''First-In/First-Out'' (''FIFO'') method was used todetermine whether the shares have been held for the prescribed holdingperiod and, therefore, whether the redemption fee will be applied.

44The underlying fund's manager or subadviser changed its name fromAIM Investments, Inc. to Invesco AIM Capital Management on or aboutNovember 10, 2008. Contact your John Hancock representative for moreinformation.

45The portfolio concentrates its investments in high yield/high risk fixedincome securities, also known as junk bonds, which carry a much greaterrisk of default and tend to be more volatile than higher rated bonds.

47Account balance reported may include assets transferred from anothersub-account which was permanently closed between April 22, 2005 andMay 7, 2005.

48Account balance reported may include assets transferred from anotherFund, which was permanently closed on or about October 25, 2010. Pleasecontact your John Hancock representative for more information.


50Account balance reported may include assets transferred from anotherFund which was permanently closed between April 25, 2004 and May 1,2004.

51Effective June 1, 2009, the underlying fund changed its name to theDomini Social Equity Fund Investor Shares.

53This sub-account was introduced on or about May 6, 2005.

54Account balance reported may include assets transferred from anotherFund, which was permanently closed on or about April 18, 2011. Pleasecontact your John Hancock representative for more information.

55 This sub-account previously invested in a different underlying portfolio. Itbegan investing in the current underlying portfolio effective on or about May7, 2005. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.

56This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effective onor about November 10, 2008. Performance shown for periods prior to thatdate is based on the performance of the current share class.


61This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effectiveon or about November 9, 2009. Performance shown for periods prior to thatdate is based on the performance of the current share class.

62Account balance reported may include assets transferred from anotherFund which was permanently closed between April 25, 2003 and May 5,2003.


65This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effective onor about June 1, 2009. Performance shown for periods prior to that date isbased on the performance of the current share class.

66Effective November 5, 2012, these Funds will no longer be available toNew Business. Please contact your John Hancock representative for moredetails.

67The underlying fund changed its name effective on or about November 8,2010. Performance shown for periods prior to that date reflect the results

under its former name. The name of this sub-account changed effectiveon or about November 8, 2010 to more accurately reflect the name of theunderlying fund.

68This sub-account previously invested in another underlying portfolio. Itbegan investing in the current underlying portfolio effective October 14,2005. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio. Performance shown for allperiods has been adjusted to reflect the current sub-account charge andwould be lower if it reflected the sub-account charge that was in effect priorto October 14, 2005, which was .20� higher than the current sub-accountcharge.

69The sub-adviser or manager changed its name on or about May 6, 2006.Performance shown for periods prior to that date reflect the results underthe sub-adviser's former name.

71Only available under certain limited circumstances. Consult your JohnHancock representative for more information.

73This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective October 14,2005.

76None of the Index Funds or the underlying John Hancock Trust Index Trustsor ETFs are sponsored, endorsed, managed, advised, sold or promoted byany of the respective companies that sponsor the broad-based securitiesmarket index, and none of these companies make any representationregarding the advisability of investing in the Index Fund.

77The underlying fund changed its sub-advisor on November 8, 2010 fromVan Kampen Investments to Invesco Advisers, Inc.

78Guaranteed Interest rates shown are gross ARA rates and assume theissuance of a contract at the beginning of each period shown. Actual returnmay vary depending on the administrative expense and, if applicable,the Sales and Service fee for the contract. The sales and service fee forthe contract is the same as that shown for the sub-accounts under thecontract. For regular ongoing contributions, interest rates are published atthe beginning of each month and apply to all such contributions in thatmonth. For other types of contributions, interest rates may change duringthe month. An investment in a guaranteed interest account is not insuredor guaranteed by The Federal Deposit Insurance Corporation or any othergovernment agency. Although the guaranteed interest accounts seek topreserve the value of an investment, it is possible to lose money by investingin these portfolios. Guaranteed interest rates are based upon the claimspaying ability of the issuing company.

80This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective April 30,

2001. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.

81This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective February 9,2004. Performance shown for periods prior to that date is based on theperformance of the current underlying portfolio.


83This investment option is deemed a ''Competing'' investment optionwith the John Hancock Stable Value Fund and may not be available. Aninvestment in this portfolio is not insured or guaranteed by The FederalDeposit Insurance Corporation or any other government agency. Althoughthe underlying portfolio seeks to preserve the value of an investment, it ispossible to lose money by investing in this portfolio.


87This sub-account was introduced November 5, 2010.


91The underlying John Hancock Variable Insurance Trust portfolio is not aretail mutual fund and is only available under variable annuity contracts,variable life policies or through participation in tax qualified retirementplans. Although the portfolios' investment adviser or sub-advisers maymanage retail mutual funds with similar names and investment objectives,no representation is made, and no assurance is given, that any portfolio'sinvestment results will be comparable to the investment results of any otherfund, including other funds with the same investment adviser or sub-adviser.Past performance is no guarantee of future results.

92The underlying fund changed its sub-adviser from T. Rowe Price solely to T.Rowe Price and RCM on or about November 6, 2006. Performance shownfor periods prior to that date reflect the results under the former sub-adviser.

96Changes were made to this sub-account effective on or about October 30,2006. Contact a John Hancock representative for more information.

101The underlying fund changed its sub-advisor on December 15, 2010 fromMFC Global Investment Management (U.S.A.) Limited to John HancockAsset Management, a division of Manulife Asset Management (NorthAmerica) Limited.


102This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective November7, 2011. Performance shown for periods prior to that date is based onthe performance of the current underlying portfolio. The name of thissub-account changed effective on or about November 7, 2011 to moreaccurately reflect the name of the underlying fund.


110This sub-account previously invested in a different underlying portfolio.It began investing in the current underlying portfolio effective November2, 2012. Performance shown for periods prior to that date is based on theperformance of the previous underlying portfolio/sub-account. The name ofthis sub-account may change effective on or about November 2, 2012 tomore accurately reflect the name of the underlying fund.




122The underlying fund changed its sub-advisor on November 8, 2013 fromT.Rowe Price Associates, Inc. & RCM to T. Rowe Price Associates, Inc. &Allianz Global Investors U.S., LLC.


124This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effective onor about May 3, 2014. Performance shown for periods prior to that date isbased on the performance of the current share class.

125The name of this sub-account changed effective on or about May 3,2014.

130This sub-account previously invested in a different share class of the sameunderlying portfolio. It began investing in the current share class effectiveon or about November 8, 2014. Performance shown for periods prior to thatdate is based on the performance of the old share class.

131The sub-adviser or manager changed its name on or about November 8,2014. Performance shown for periods prior to that date reflect the resultsunder the sub-adviser's former name.

132The name of this sub-account changed effective on or about November 8,2014.

138This sub-account was recently introduced on May 8, 2015 and may notbe available in all states. Contact your John Hancock representative todetermine if this sub-account is available to your plan.

142This investment option is deemed a 'Competing' investment option withthe Reliance Trust New York Life Anchor Account and may not be availableif the Reliance Trust New York Life Anchor Account is selected. For furtherdetails, please refer to the Offering Statement and Declaration of Trust.Contact your John Hancock representative if you wish to obtain a copy.

143This investment option is deemed a 'Competing' investment option withthe Federated Capital Preservation Fund and may not be available if theFederated Capital Preservation Fund is selected. For further details, pleaserefer to the Offering Circular and Declaration of Trust. Contact your JohnHancock representative if you wish to obtain a copy.



§The Total Annual Operating Expenses ("TAOE") is made up of JohnHancock's (i) "Revenue from Sub-account", and (ii) the expenses of theunderlying fund (based on expense ratios reported in the most recentprospectuses available as of the date of printing; "FER"). The underlyingfund of this sub-account has either waived a portion of, or capped, its fees;the FER used to determine the TAOE of the sub-account that invests in theunderlying fund is the net expense ratio of the underlying fund. Refer to theFund Sheet for details.

Risks Applicable to All Funds

Credit and Counterparty RiskA fund is subject to the risk that the issuer or guarantor of a fixed-incomesecurity or other obligation, the counterparty to a derivatives contract orrepurchase agreement, or the borrower of a fund's securities will be unableor unwilling to make timely principal, interest, or settlement payments, or tootherwise honor its obligations.

Issuer Risk

An issuer of a security purchased by a fund may perform poorly, and,therefore, the value of its stocks and bonds may decline. Poor performancemay be caused by poor management decisions, competitive pressures,breakthroughs in technology, reliance on suppliers, labor problems orshortages, corporate restructurings, fraudulent disclosures, or other factors.

Liquidity RiskA fund is exposed to liquidity risk when trading volume, lack of a marketmaker, or legal restrictions impair the fund's ability to sell particularsecurities or close derivative positions at an advantageous price. Fundswith investment strategies that involve securities of companies with smallermarket capitalizations, foreign securities, derivatives, or securities withsubstantial market and/or credit risk tend to have the greatest exposure toliquidity risk.

Manager RiskThe performance of a fund that is actively managed will reflect in part theability of the manager to make investment decisions that are suited toachieving the fund's investment objective. Depending on the manager'sinvestment decisions, a fund may not reach its investment objective or itcould underperform its peers or lose money.

Market RiskThe value of a fund's securities may go down in response to overall stock orbond market movements. Markets tend to move in cycles, with periods ofrising prices and periods of falling prices. Stocks tend to go up and down invalue more than bonds. If the fund's investments are concentrated in certainsectors, its performance could be worse than the overall market.

Merger and Replacement Transition RiskIn the case of Fund mergers and replacements, the affected Funds that arebeing merged or replaced may implement the redemption of your interestby payment in cash or by distributing assets in kind. In either case, theredemption of your interest by the affected Fund, as well as the investmentof the redemption proceeds by the "new" Fund, may result in transactioncosts to the Funds because the affected Funds may find it necessary tosell securities and the "new" Funds will find it necessary to invest theredemption proceeds. Also, the redemption and reinvestment processes,including any transition period that may be involved in completing suchmergers and replacements, could be subject to market gains or losses,including those from currency exchange rates. The transaction costs andpotential market gains or losses could have an impact on the value ofyour investment in the affected Fund and in the "new" Fund, and suchmarket gains or losses could also have an impact on the value of anyexisting investment that you or other investors may have in the "new"Fund. Although there can be no assurances that all risks can be eliminated,John Hancock will use its best efforts to manage and minimize suchrisks and costs. Where the redemption of your interest is implementedthrough a distribution of assets in kind, the effective date of the mergeror replacement may vary from the target date due to the transition period,


commencing either before or after the date that is required to liquidate ortransition the assets for investment in the "new" Fund.

Risk of increase in expensesYour actual costs of investing in the fund may be higher than the expensesshown in "Annual fund operating expenses" for a variety of reasons. Forexample, expense ratios may be higher than those shown if a fee limitationis changed or terminated or if average net assets decrease. Net assets aremore likely to decrease and fund expense ratios are more likely to increasewhen markets are volatile.

Additional Risks Applicable to Certain Funds

Asset Backed Security RiskThe fund may invest in asset-backed securities. Asset-backed securitiesinclude interests in pools of residential or commercial mortgages, debtsecurities, commercial or consumer loans, or other receivables. Often,the issuer of asset-backed securities is a special purpose entity and theinvestor's recourse is limited to the assets comprising the pool. The valueof such securities depends on many factors, including, but not limited to,changes in interest rates, the structure of the pool and the priority of thesecurities within that structure, the credit quality of the underlying assets,the skill of the pool's servicer, the market's perception of the pool's servicer,and credit enhancement features (if any).

Commodity RiskCommodity investments involve the risk of volatile market price fluctuationsof commodities resulting from fluctuating demand, supply disruption,speculation and other factors.

Convertible securities RiskAs convertible securities share both fixed income and equity characteristics,they are subject to risks to which fixed income and equity investments aresubject. These risks include equity risk, interest rate risk and credit risk

Correlation RiskTo the extent that the Fund uses derivatives for hedging or reducingexposure, there is the risk of imperfect correlation between movements inthe value of the derivative instrument and the value of an underlying asset,reference rate or index. To the extent that the Fund uses derivatives forhedging purposes, there is the risk during extreme market conditions thatan instrument which would usually operate as a hedge provides no hedgingbenefits at all.

Currency RiskFunds that invest directly in foreign currencies and in securities that trade in,or receive revenues in, foreign currencies, are subject to the risk that thosecurrencies will decline in value relative to the currency being hedged.

Derivatives/Hedging/Strategic Transactions RiskA fund's use of certain derivative instruments (such as options, futures andswaps) could produce disproportionate gains or losses in excess of the

principal amount invested. Derivatives are generally considered more riskythan investing directly in securities and, in a down market, could becomeharder to value or sell at a fair price. The use of derivatives for hedging andother strategic transactions may increase the volatility of a fund and, if thetransaction is not successful, could result in a significant loss to a fund.

Equity Securities RiskStock markets are volatile, and the price of equity securities such as commonand preferred stocks (and their equivalents) will fluctuate. The valueof equity securities purchased by the fund could decline if the financialcondition of the companies in which the fund invests decline or if overallmarket and economic conditions deteriorate.

Emerging Markets RiskThe prices of securities issued by foreign companies and governmentslocated in developing/emerging markets countries may be affected morenegatively by inflation, devaluation of their currencies, higher transactioncosts, delays in settlement, adverse political developments, the introductionof capital controls, withholding taxes, nationalization of private assets,expropriation, social unrest, war or lack of timely information than those indeveloped countries.

Exchange Traded Funds (�ETF�s) RiskExchange Traded Funds are a type of investment company bought andsold on a securities exchange. An ETF often represents a fixed portfolio ofsecurities designed to track a particular market index. The risks of owning anETF generally reflect the risks of owning the underlying securities the ETF isdesigned to track.

Exchange-traded note (ETN) RiskETNs are a type of unsecured, unsubordinated debt security that havecharacteristics and risks similar to those of fixed-income securities and tradeon a major exchange similar to shares of ETFs. This type of debt securitydiffers, however, from other types of bonds and notes because ETN returnsare based upon the performance of a market index minus applicable fees,no period coupon payments are distributed, and no principal protectionsexist. The purpose of ETNs is to create a type of security that combines theaspects of both bonds and ETFs. The value of an ETN may be influenced bytime to maturity, level of supply and demand for the ETN, volatility and lackof liquidity in underlying commodities or securities markets, changes in theapplicable interest rates, changes in the issuer's credit rating and economic,legal, political or geographic events that affect the referenced commodityor security. The fund's decision to sell its ETN holdings also may be limitedby the availability of a secondary market. If the fund must sell some or allof its ETN holdings and the secondary market is weak, it may have to sellsuch holdings at a discount. If the fund holds its investment in an ETN untilmaturity, the issuer will give the fund a cash amount that would be equal toprincipal amount (subject to the day's index factor). ETNs also are subject tocounterparty credit risk and fixed income risk.

European Union Risk

Many countries in the European Union are susceptible to high economicrisks associated with high levels of debt, notably due to investments insovereign debts of European countries such as Greece, Italy, Portugaland Spain. One or more member states might exit the European Union,placing its currency and banking system in jeopardy. The European Unionfaces major issues involving its membership, structure, procedures andpolicies, including the adoption, abandonment or adjustment of the newconstitutional treaty, the European Union's enlargement to the southand east, and resolution of the European Union's problematic fiscal anddemocratic accountability. Efforts of the member states to further unifytheir economic and monetary policies may increase the potential for thedownward movement of one member state's market to cause a similareffect on other member states' markets. European countries that are part ofthe European Economic and Monetary Union may be significantly affectedby the tight fiscal and monetary controls that the union seeks to impose onits members.

Foreign Securities RiskForeign securities involve special risks, including potentially unfavorablecurrency exchange rates, limited government regulation (including lessstringent investor protection and disclosure standards) and exposure topossible economic, political and social instability. To the extent the fundinvests in emerging market countries, its foreign securities risk will be higher.

Fund of Funds RiskA fund of funds invests in a number of underlying funds. A fund of fund'sability to achieve its investment objective will depend largely on the abilityof its investment manager to select the appropriate mix of underlying fundsand on the underlying funds ability to meet their investment objectives. Afund of funds is subject to the same risks as the underlying funds in whichit invests. Each fund of funds bears its own expenses and indirectly bears itsproportionate share of expenses of the underlying funds in which it invests.

Fixed-Income Securities RiskFixed-income securities or bonds are subject to credit risk and interest raterisk. The credit rating of bonds in the fund could be downgraded or theissuer of a bond could default on its obligations. In general, lower-ratedfixed-income securities involve more credit risk. When interest rates rise,bond prices generally fall.

Growth Stock RiskBecause growth securities typically make lower dividend payments or donot make dividend payments at all, investment returns are based on capitalappreciation, making returns dependent on market increases and decreases.The market prices of growth stocks are highly sensitive to future earningsexpectations. Growth stocks may therefore be more volatile than non-growth stocks.

High Yield Securities RiskFixed-income securities that are not investment grade are commonlyreferred to as high yield securities or "junk bonds". These securities offer


a potentially higher yield than other, higher rated securities, but they carrya greater degree of risk and are considered speculative by the major creditrating agencies.

Inflation-protected Securities Interest Rate RiskInflation-protected securities may react differently from other fixed incomesecurities to changes in interest rates. Because interest rates on inflation-protected securities are adjusted for inflation, the values of these securitiesare not materially affected by inflation expectations. Therefore, the valueof inflation-protected securities are anticipated to change in response tochanges in "real" interest rates, which represent nominal (stated) interestrates reduced by the expected impact of inflation. Generally, the value of aninflation-protected security will fall when real interest rates rise and will risewhen real interest rates fall.

Information RiskThere is a risk that information used by the adviser to evaluate the socialand environmental performance of issuers, industries, markets, sectors, andregions may not be readily available, complete, or accurate, which couldnegatively impact the adviser's ability to apply its social and environmentalstandards, which may negatively impact Fund performance. This may alsolead the Fund to avoid investment in certain issuers, industries, markets,sectors, or regions.

Initial Public Offerings (�IPO�) RiskThe fund is subject to the risks associated with purchases of shares issuedin IPOs by companies that have little operating history as public companies.The market for IPO issuers has been volatile and share prices of certainnewly-public companies have fluctuated in significant amounts over shortperiods of time.

Interest Rate RiskFixed-income securities are affected by changes in interest rates. Wheninterest rates decline, the market value of fixed-income securities generallywill increase. Conversely, when interest rates rise, the market value of fixed-income securities will generally decrease. The longer the remaining maturityof instruments held by the fund, the more sensitive the fund is to interestrate risk.

Index Management RiskCertain factors may cause the fund to track its Index less closely. Forexample, the manager may select securities that are not fully representativeof the Index, and the fund's transaction expenses, and the size and timing ofits cash flows, may result in the fund's performance being different than thatof its Index.

Investment Style/Value Stock RiskThe fund's investments in value stocks carry the risk that the market will notrecognize a security's intrinsic value for a long time or that a stock believedto be undervalued may actually be appropriately priced. Under certainmarket conditions, value stocks have performed better during periods of

economic recovery. During times when value investing is out of favor, theFund may underperform other equity funds that use different investmentstyles.

Large Cap RiskThe fund's strategy of investing in large cap stocks carries the risk that incertain markets large cap stocks will underperform small cap or mid capstocks.

Leverage RiskThe fund may engage in transactions, including the use of syntheticinstruments and derivatives, which may give rise to a form of leverage.Leverage may cause the fund to be more volatile than if the fund had notbeen leveraged because leverage can exaggerate the effect of any increaseor decrease in the value of securities held by the fund.

Target Date Portfolio RiskA Target Date or Target Date Portfolio ("Fund") is a "fund of funds" whichinvests in a number of underlying funds. The Fund's ability to achieve itsinvestment objective will depend largely on the ability of the subadviserto select the appropriate mix of underlying funds and on the underlyingfunds' ability to meet their investment objectives. There can be no assurancethat either a Fund or the underlying funds will achieve their investmentobjectives. A Fund is subject to the same risks as the underlying funds inwhich it invests. Each Fund invests in underlying funds which invest in fixed-income securities (including in some cases high yield securities) and equitysecurities, including foreign securities and engage in Hedging and OtherStrategic Transactions. To the extent the Fund invests in these securitiesdirectly or engages in Hedging and Other Strategic Transactions, the Fundwill be subject to the same risks. As a Fund's asset mix becomes moreconservative, the fund becomes more susceptible to risks associated withfixed-income securities. For a more complete description of these risks,please review the underlying fund's prospectus, which is available uponrequest.

Each Target Date Portfolio has an associated target date based on theexpected year in which participants in the portfolio plan to retire and nolonger make contributions. The investment strategy of these Portfoliosare designed to become more conservative over time as the Portfolioapproaches (or if applicable passes) the target retirement date. The principalvalue of an investment in these Portfolios is not guaranteed at any time,including at or after the target date. Primary benchmarks are required to bebroad based in nature. Custom benchmarks that proportionally reflect theactual equity and fixed-income holdings of the Fund may provide a bettermeasure of performance comparison and can be found on the fund factsheet for each respective Fund on the website. Click on the link found beloweach respective Fund to access each Fund's fund fact sheet.

Lifestyle Portfolio RiskA Lifestyle Portfolio ("Fund") is a "fund of funds" which invests in a numberof underlying funds. The Fund's ability to achieve its investment objective

will depend largely on the ability of the subadviser to select the appropriatemix of underlying funds and on the underlying funds' ability to meet theirinvestment objectives. There can be no assurance that either a Fund orthe underlying funds will achieve their investment objectives. A Fund issubject to the same risks as the underlying funds in which it invests, whichinclude the following risks. Stocks can decline due to market, regulatoryor economic developments. Investing in foreign securities is subject tocertain risks not associated with domestic investing such as currencyfluctuations and changes in political and economic conditions. The securitiesof small capitalization companies are subject to higher volatility than larger,more established companies. High Yield bonds are subject to additionalrisks such as the increased risk of default (not applicable to LifestyleAggressive Portfolio). For a more complete description of these risks,please review the underlying fund's prospectus, which is available uponrequest. Diversification does not ensure against loss. Primary benchmarksare selected based on the asset mix of each individual Fund. Primarybenchmarks are required to be broad based in nature. Custom benchmarksthat proportionally reflect the actual equity and fixed-income holdings of theFund may provide a better measure of performance comparison and can befound on the fund fact sheet for each respective Fund on the website. Clickon the link found below each respective Fund to access each Fund's fundfact sheet.

Mortgage-Backed and Asset-Backed Securities RiskWhen interest rates fall, homeowners are more likely to prepay theirmortgage loans. An increased rate of prepayments on the fund's mortgage-backed securities will result in an unforeseen loss of interest income tothe fund as the fund may be required to reinvest assets at a lower interestrate. Asset-backed securities include interests in pools of debt securities,commercial or consumer loans, or their receivables. The value of thesesecurities depends on many factors, including changes in interest rates, theavailability of information concerning the pool and its structure, the creditquality of the underlying assets, the market's perception of the servicer ofthe pool, and any credit enhancement provided. In addition, asset-backedsecurities have prepayment risks similar to mortgage-backed securities.

Mid Cap Stock RiskInvestments in mid-cap companies are subject to more erratic pricemovements than investments in larger, more established companies. Inparticular, mid-sized companies may pose greater risk due to narrowproduct lines, limited financial resources, less depth in management or alimited trading market for their securities.

Non-Diversification RiskA fund that is non-diversified may invest a high percentage of its assets inthe securities of a small number of issuers. This approach may result in morevolatile performance relative to more diversified funds. The less diversified afund's holdings are, the more a specific security's poor performance is likelyto affect the fund's performance.


Risks Relating to John HancockThe fund invests a portion of its assets (including cash and cash equivalents)in a separate account of John Hancock Life & Health Insurance Company(JHLH). The fund's right to receive payments for the benefit of, and itsability to distribute payments to, plan participants depends on the timelyliquidation of separate account assets. While an insolvency of JHLH shouldnot diminish the assets of the Separate Account, it could delay the timingof payments to plan participants. Because the fund invests in the separateaccount, the value of the fund and its ability to honor withdrawal requestsfrom plan participants depends, in part, on the performance of JHLH.

Sector RiskWhen a fund's investments are concentrated in a particular industry orsector of the economy (e.g., real estate, technology, financial services), theyare not as diversified as the investments of most mutual funds and are farless diversified than the broad securities markets. Funds concentrating in aparticular industry sector tend to be more volatile than other mutual funds,and the values of their investments tend to go up and down more rapidly. Afund that invests in a particular industry or sector is particularly susceptibleto the impact of market, economic, regulatory and other factors affectingthat industry or sector.

Small Cap Stock RiskThe fund's investments in smaller companies are subject to more erraticprice movements than investments in larger, more established companies.Small cap companies may be developing or marketing new products orservices for which markets are not yet and may never become established.Although small, unseasoned companies may offer greater opportunities forcapital growth than larger, more established companies, they also involvegreater risks and should be considered speculative.

Small/Mid Cap Stock RiskThe fund's investments in small-cap and mid-cap companies are subject tomore erratic pricemovements than investments in larger, more established companies. Inparticular, mid-sized companies may pose greater risk due to narrowproduct lines, limited financial resources, less depth in management or alimited trading market for their securities. Similarly, small cap companiesmay be developing or marketing new products or services for which marketsare not yet and may never become established. While small, unseasonedcompanies may offer greater opportunities for capital growth than larger,more established companies, they also involve greater risks and should beconsidered speculative.

Short Sale RiskThe fund may sell a security that it does not own. A fund will lose moneyif the price of the security which it has sold short increases between thetime of the short sale and the date when the fund acquires the security soldshort.

Stabilizing Agreement Risk

The Trustee for the Fund and John Hancock Life & Health InsuranceCompany (JHLH) each endeavor to maintain one or more StabilizingAgreements with Stability Provider(s) in an attempt to maintain thebook value of both the Fund and the separate account. The obligationsof each Stability Provider are general, unsecured obligations of suchStability Provider. Default by a Stability Provider could result in participantwithdrawals from the fund at less than book value. Neither the Trust norJohn Hancock is a Stability Provider and neither guarantees the bookvalue of the fund or the ability of any Stability Provider to guarantee suchamounts. The fund expects that the use of Stabilizing Agreements will(when combined with any benefit responsive contracts and short-terminvestments held in other sub-accounts), under most circumstances, permitthe Fund to maintain a stable book value of �1.00 per Unit of the Trust.However, the default of a Stability Provider and an inability to obtain areplacement Stabilizing Agreement could render the fund unable to achieveits objective of maintaining a stable book value of �1.00 per Unit of theTrust. There are a limited number of potential Stability Providers. ShouldStabilizing Agreements become unavailable or should other conditions(such as cost or creditworthiness) render their purchase and/or maintenanceinadvisable, JHLH may elect not to cover some or all of the assets in theseparate account with Stabilizing Agreement(s).

Turnover RiskActive and frequent trading of fund securities results in a high fund turnoverrate. Funds with high turnover rates often have higher transaction costs,which are paid by the fund, that may have an adverse impact on fundperformance, and may generate short-term capital gains on which taxesmay be imposed.

Target AllocationTarget Allocation Risk is the risk that a fund could lose money as a result ofless than optimal or poor asset allocation decisions. From time to time, oneor more of the underlying funds may experience relatively large redemptionsor investments due to reallocations or re-balancings of the assets of aportfolio, which could affect the performance of the underlying funds and,therefore, the performance of the portfolio.

Target DateThere is no guarantee that the subadviser will correctly predict the market oreconomic conditions and, as with other mutual fund investments, you couldlose money even if the fund is at or close to its designated retirement yearor in its post-retirement stage.

U.S. Government Securities RiskU.S. government securities do not involve the degree of credit riskassociated with investments in lower quality fixed-income securities. As aresult, the yields available from U.S. government securities are generallylower than the yields available from many other fixed-income securities.These securities, like other fixed-income securities, are subject to interestrate risk.


To obtain group annuity investment option Fund sheets and prospectuses for each sub-account's underlying investment vehicle call 1-800-395-1113. These documents contain complete details on investment objectives, risks, fees,charges and expenses as well as other information about the underlying investment vehicle, which should be carefully considered. Please read these documents carefully prior to investing.

This material is for information purposes only. John Hancock New York does not provide investment, tax, plan design or legal advice. Please consult your own independent advisor as to any investment, tax, plan design-related or legalstatements made herein.

Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, Valhalla, New York 10595. John Hancock Investment Management Services, LLC, a registeredinvestment 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

© 2015 All rights reserved.

P19755-NY 09/13-22722 GA060913145601

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