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All plan information is confidential and you agree to safeguard and protect such information in accordance with the standards required by law and use such information only for authorized plan administration purposes.

John Hancock Retirement Plan Services LLC and The Plan are not affiliated and neither is responsible for the liabilities of the other. "The Plan" is specified on the Participant Information page.

This information does not constitute legal or tax advice with respect to any taxpayer. It was neither written nor intended for use by any such taxpayer for the purpose of avoiding penalties, and it cannot be so used. If it is used or referred to in promoting, marketing, or recommending any transaction or matter addressed herein, it should be understood as having been written to support such promotion, marketing, or recommendation, and any taxpayer receiving it should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

John Hancock Retirement Plan Services LLC and Manulife Asset Management Trust Company (conducting business as "John Hancock Trust Company") service programs for retirement plans through which a sponsor or administrator of a plan may invest in mutual funds, ETFs and collective investment trusts on behalf of plan participants. Mutual funds, ETFs and collective investment trusts available through Fidelity Brokerage Services LLC ("Fidelity") have not been individually selected by John Hancock or Fidelity Investments®. Administrative and recordkeeping services are provided by John Hancock Retirement Plan Services LLC. John Hancock Trust Company provides trust and custodial services. Securities products, when offered, are offered through John Hancock Distributors LLC, member FINRA/SIPC.

Fidelity Investments is an independent company, unaffiliated with any John Hancock company. Fidelity Investments is a service provider to John Hancock. There is no form of partnership, agency affiliation or similar relationship between your financial advisor and Fidelity Investments, nor is any such relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered service mark of FMR LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC. 613925.1.0

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT INSURED BY ANY GOVERNMENT AGENCY