jh signature fund scorecard signature menu menu data as of 12/31/2016 jh signature fund scorecard 6...

Signature Menu Data as of 12/31/2016

JH Signature Fund Scorecard

6 7

Total Return (% rank in category)5 Overall Rating*(# of peers)

Fi360 Fiduciary Score® (# of peers) RPAG Score (out of 10)

Inception Date1 Ticker2 Fund

Code ER3 Morningstar Category4 1yr 5yr 10yr YTD Score 1yr 3yr 5yr 10yr Q1

2016Q2

2016Q3

2016Q4

2016

Large Cap Value

American Century Value Fund 165, 95

11/7/16 AVUDX ACX 0.63 Large Value 20.58% 14.55% 6.44% 20.58% 5 0 0 6 NS NS- - - -

7 0 0 7 1095 1202 1135 945 861 531

BlackRock Basic Value Fund 87

11/5/10 MABAX BBV 0.3 Large Value 18.54% 14.14% 6.02% 18.54% 3 22 37 27 29 197 7 7 7

16 24 33 16 1095 1202 1135 945 861 531

Dodge & Cox Stock Fund 97

5/6/11 DODGX DCS 0.42 Large Value 21.28% 17.01% 5.93% 21.28% 4 0 25 29 36 487 7 10 10

6 1 36 6 1095 1202 1135 945 861 531

Equity Income Fund 13, 31, 54, 73

10/2/97 JIEMX EIF 0.34 Large Value 18.91% 12.65% 5.57% 18.91% 3 60 75 60 37 NS6 6 6 5

13 62 48 13 1095 1202 1135 945 861 531

Franklin Mutual Beacon Fund 132, 41,

61, 96, 99

11/22/96 BEGRX MCV 0.59 Large Value 16.11% 12.32% 4.48% 16.11% 0 0 70 75 73 644 6 6 6

5 4 38 5 1095 159 144 111 107 52

Fundamental Large Cap Value Fund 101, 102, 117, 13, 5, 73

11/22/96 EQI 0.21 Large Value 10.17% 14.70% 4.77% 10.17% 3 48 NS NS NS NS9 7 9 9

90 13 67 90 1095 3451 3070 2505 1460 531

• Invesco Diversi-fied Dividend Fund 165, 95

11/7/16 DDFIX IDI 0.19 Large Value 14.66% 14.87% 7.81% 14.66% 5 32 32 19 13 NS- - - -

46 10 3 46 1095 1202 1135 945 861 531

• John Hancock Disciplined Value Fund 106, 123, 130, 87

11/5/10 JDVWX DVA 0.25 Large Value 14.07% 14.51% 7.04% 14.07% 3 39 38 17 10 NS10 9 10 10

53 16 0 53 1095 1202 1135 945 861 531

MFS Value Fund 150 11/6/15 MEIHX MFV 0.36 Large Value 13.85% 14.41% 6.62% 13.85% 4 39 18 19 20 NS6 5 6 7

56 18 19 56 1095 1202 1135 945 861 531

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

7/30/99 PRFDX D&G 0.51 Large Value 19.28% 12.73% 5.67% 19.28% 3 60 73 58 36 206 6 6 -

12 60 45 12 1095 1202 1135 945 861 531

TIAA-CREF Large-Cap Value Index Fund 165, 95

11/7/16 TILVX TCV 0.06 Large Value 17.23% 14.70% 5.67% 17.23% 4 0 0 2 5 17- - - -

24 13 44 24 1095 1202 1135 945 861 531

Vanguard Value Index Fund 125, 98

5/4/07 VVIAX LVI 0.08 Large Value 16.86% 14.98% 5.98% 16.86% 4 0 0 0 4 119 9 9 9

27 9 35 27 1095 1202 1135 945 861 531

Legend for Fi360:= Not Scored

0-25 - First Quartile

26-50 - Second Quartile

51-75 - Third Quartile

76-100 - Fourth Quartile

NS

The performance data presented represents past performance and the data displayed reflects the value of the sub-account’s underlying fund and, when redeemed, may be worth more or less than original cost. Performance does not reflect any applicable contract-level or certain par ticipant-level charges, fees for guaranteed benefits if elected by partici pant, or any redemption fees imposed by an underlying fund company. These charges, if included, would otherwise reduce the total return for a participant’s account. Past performance is no guarantee of future results and current performance may be lower or higher than the performance quoted. The performance data for a sub-account for any period prior to the sub-account Inception Date is hypothetical based on the perfor mance of the underlying investment since inception of the underlying investment. All other performance data is

actual (except as otherwise indicated). Returns for any period greater than one year are annualized. Performance information current to the most recent month-end is avail able on our Web site at www.jhpensions.com/er or call 1-877-346-8378. Hypothetical returns are shown in bold.

Some Funds may be marked with a “•”. In these cases, the underlying fund (the mutual fund, collective trust, or exchanged traded fund (“ETF”) in which the investment option invests) has either waived a portion of, or capped, its fees. The Expense Ratio (ER) for these funds is that of the sub account and reflects the net expense ratio of the underlying fund after such expense waiver or cap. Please see the Fund Sheet for details, including gross expenses.

FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.



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2016Q2

2016Q3

2016Q4

2016

Washington Mutual Investors Fund 38, 40, 61, 65

5/2/03 RWMFX WMI 0.3 Large Value 13.69% 13.61% 6.77% 13.69% 4 39 32 34 29 239 10 9 9

59 39 16 59 1095 1202 1135 945 861 531

Large Cap Blend

• 500 Index Fund 101, 110, 13, 22, 76, 9, 91

1/19/93 JFIVX IND 0.03 Large Blend 11.59% 14.34% 6.66% 11.59% 4 0 NS NS NS NS10 9 10 10

34 0 0 34 1395 3593 3210 2584 1639 627

All Cap Core Fund 13, 22, 58, 91, 99

10/2/97 JEACX GRF 0.37 Large Blend 10.56% 14.26% 5.82% 10.56% 3 0 NS NS NS NS6 5 6 7

50 29 61 50 1395 3593 3210 2584 1639 627

• Domini Social Equity Fund 20, 43,

51, 64, 99

10/2/97 DIEQX SOC 0.75 Large Blend 11.66% 12.14% 5.81% 11.66% 2 64 69 54 44 NS5 5 5 5

32 77 0 32 1395 1364 1283 1121 1015 627

Fidelity Advisor Diversified Stock Fund 134

11/7/14 FDTOX FDS 0.37 Large Blend 16.64% 14.21% 6.88% 16.64% 3 31 56 32 20 317 6 5 8

3 31 23 3 1395 1364 1283 1121 1015 627

Fundamental Investors 31, 37, 61, 65

7/25/08 RFNFX AFI 0.3 Large Blend 12.82% 14.62% 7.44% 12.82% 4 0 7 26 37 317 7 7 7

18 15 9 18 1395 1364 1283 1121 1015 627

• JPMorgan U.S. Equity Fund 138, 147

5/8/15 JUSRX JPE 0.36 Large Blend 10.86% 15.27% 8.26% 10.86% 5 31 34 23 25 NS9 7 9 10

46 6 3 46 1395 1364 1283 1121 1015 627

• MFS Blended Research Core Equity Fund 165, 95

11/7/16 MUETX MFB 0.24 Large Blend 8.10% 13.67% 6.80% 8.10% 3 44 17 7 7 NS- - - -

79 49 0 79 1395 1364 1283 1121 1015 627

• Parnassus Core Equity Fund 132, 148, 33

5/29/09 PRBLX PEI 0.52 Large Blend 10.41% 14.22% 9.47% 10.41% 5 39 26 20 19 1710 10 10 9

53 31 1 53 1395 1364 1283 1121 1015 627

Sit Dividend Growth Fund 126

5/2/14 SDVGX SIT 0.67 Large Blend 10.73% 12.67% 8.10% 10.73% 4 27 25 36 26 228 6 7 8

48 70 4 48 1395 1364 1283 1121 1015 627

The Investment Company of America 160, 38, 40, 61, 65

5/2/03 RICEX ICA 0.29 Large Blend 14.55% 14.10% 6.33% 14.55% 4 0 3 24 32 418 9 9 9

9 35 44 9 1395 1364 1283 1121 1015 627

Total Stock Market Index Fund 101, 13, 22,

29, 76, 91

8/18/00 JETSX TSM 0.08 Large Blend 12.38% 13.91% 6.73% 12.38% 3 0 NS NS NS NS9 9 9 9

23 42 29 23 1395 3593 3210 2584 1639 627



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2016Q2

2016Q3

2016Q4

2016

U.S. Growth Fund

107, 13, 161, 53, 57, 73, 95/6/05 JHUPX LRC 0.34 Large Blend 4.33% 10.78% 5.65% 4.33% 2 93 55 51 NS NS

5 5 6 595 0 0 95 1395 1364 1283 1121 1015 627

Victory Diversified Stock Fund 7

5/2/08 SRVEX VDS 0.59 Large Blend 3.74% 11.67% 4.94% 3.74% 2 82 67 57 62 457 7 7 7

96 82 85 96 1395 1364 1283 1121 1015 627

Large Cap Growth

American Funds AMCAP Fund 165, 95

11/7/16 RAFEX AFX 0.36 Large Growth 9.01% 14.28% 7.59% 9.01% 4 33 36 31 20 22- - - -

9 23 32 9 2569 1452 1411 1158 1004 644

Blue Chip Growth Fund 117, 13, 153, 57, 73, 90

10/2/97 JIBCX BCF 0.36 Large Growth 0.84% 15.32% 8.28% 0.84% 4 17 7 4 3 NS10 9 9 10

72 8 15 72 2569 1452 1411 1158 1004 644

Capital Apprecia-tion Fund 106, 115, 12,

13, 15, 57, 73, 90

4/27/01 JICPX CPA 0.28 Large Growth -1.39% 13.90% 7.89% -1.39% 4 28 16 11 13 NS9 7 7 7

86 32 24 86 2569 1452 1411 1158 1004 644

ClearBridge Aggres-sive Growth Fund 160, 163, 19, 74, 8, 81

7/30/99 SHRAX STW 0.65 Large Growth 5.71% 14.69% 6.79% 5.71% 3 33 51 39 26 407 7 10 7

32 16 55 32 2569 1452 1411 1158 1004 644

Fidelity Advisor New Insights Fund 120, 137, 7

5/2/08 FINSX FNI 0.41 Large Growth 6.55% 13.04% 7.55% 6.55% 4 28 34 33 24 276 6 6 6

25 50 33 25 2569 1452 1411 1158 1004 644

Fidelity Contra Fund

3/31/95 FCNTX CON 0.46 Large Growth 3.37% 13.46% 7.88% 3.37% 4 0 2 8 8 188 8 8 9

48 41 24 48 2569 1452 1411 1158 1004 644

Fundamental All Cap Core Fund 101, 103, 13, 22, 38, 5, 50, 91

5/2/03 JEQAX QAC 0.26 Large Growth 8.34% 15.73% 6.28% 8.34% 3 16 NS NS NS NS7 6 8 8

12 5 68 12 2569 4382 4006 3171 1664 644

• JPMorgan Large Cap Growth Fund 108, 124, 130

5/4/12 OLGAX JPM 0.55 Large Growth -2.16% 11.51% 8.04% -2.16% 3 62 56 38 29 195 5 6 6

89 80 20 89 2569 1452 1411 1158 1004 644

Massachusetts Investors Fund 33

5/29/09 MITHX MIF 0.22 Large Growth 8.78% 13.72% 7.07% 8.78% 4 57 48 40 39 NS7 7 7 7

72 47 17 72 2569 1364 1283 1121 1015 627



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2016Q2

2016Q3

2016Q4

2016

• RidgeWorth Silvant Large Cap Growth Stock Fund 165, 95

11/7/16 STCAX RWL 0.47 Large Growth -3.34% 12.16% 7.08% -3.34% 3 69 40 26 22 27

- - - -93 69 47 93 2569 1452 1411 1158 1004 644

The Growth Fund of America 154, 38, 40,

61, 65, 9

5/2/03 RGAEX GFA 0.33 Large Growth 8.44% 15.02% 6.93% 8.44% 4 0 20 41 50 47- 7 10 10

12 11 51 12 2569 1452 1411 1158 1004 644

TIAA-CREF Large-Cap Growth Index Fund 165, 95

11/7/16 TILIX TCI 0.06 Large Growth 7.05% 14.43% 8.26% 7.05% 4 0 0 2 3 8- - - -

21 20 15 21 2569 1452 1411 1158 1004 644

Vanguard Growth Index Fund 125, 98

5/4/07 VIGAX LGI 0.08 Large Growth 6.12% 14.05% 8.14% 6.12% 4 0 0 4 5 510 10 10 10

28 28 18 28 2569 1452 1411 1158 1004 644

Mid Cap Value

Diamond Hill Small-Mid Cap Fund 134

11/7/14 DHMAX DHS 0.75 Mid-Cap Value 17.81% 15.76% 9.11% 17.81% 5 36 30 23 18 NS9 6 10 10

51 12 8 51 717 371 354 284 258 146

Fidelity Advisor Leveraged Company Stock Fund 120, 3, 99

11/7/08 FLSAX FLC 0.58 Mid-Cap Value 9.04% 13.82% 6.46% 9.04% 2 96 85 57 57 436 5 6 4

96 53 58 96 717 371 354 284 258 146

Harbor Mid Cap Value Fund 134

11/7/14 HAMVX HAR 0.78 Mid-Cap Value 18.99% 17.09% 7.72% 18.99% 4 0 16 6 12 359 7 8 9

44 2 23 44 717 371 354 284 258 146

John Hancock Disciplined Value Mid Cap Fund

5/4/12 JVMRX DVM 0.32 Mid-Cap Value 15.35% 17.21% 10.55% 15.35% 5 0 25 25 19 NS10 10 10 10

48 4 0 48 717 408 383 318 284 163

Mid Value Fund 13, 22, 31, 41, 53, 91

5/6/05 JEMUX MVF 0.56 Mid-Cap Value 24.02% 15.76% 8.22% 24.02% 5 0 NS NS NS NS9 8 8 10

10 13 18 10 717 1176 1040 735 523 146

Vanguard Mid-Cap Value ETF 118, 119, 123,

139, 76

11/8/13 VOE VOE 0.14 Mid-Cap Value 15.26% 15.56% 7.67% 15.26% 4 15 3 1 1 NS8 8 7 8

71 16 24 71 717 371 354 284 258 146

WisdomTree Mid-Cap Dividend ETF

119, 126, 139, 76

5/2/14 DON DON 0.44 Mid-Cap Value 20.29% 15.96% 8.47% 20.29% 5 0 0 3 4 NS10 10 10 10

35 8 14 35 717 371 354 284 258 146



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2016Q2

2016Q3

2016Q4

2016

Mid Cap Blend

Aston/Fairpointe Mid Cap Fund 103, 104, 87, 99

11/5/10 CHTTX AOM 0.81 Mid-Cap Blend 24.06% 15.47% 9.73% 24.06% 3 44 58 43 35 226 6 6 8

10 18 2 10 717 371 354 284 258 146

• JPMorgan Intrep-id Mid Cap Fund 134

11/7/14 WOOPX JPI 0.65 Mid-Cap Blend 12.12% 14.74% 7.09% 12.12% 3 17 12 8 13 259 7 10 10

69 26 47 69 717 408 383 318 284 163

• JPMorgan Mid Cap Value Fund 12, 32, 71, 99

4/27/01 FLMVX MID 0.65 Mid-Cap Blend 14.62% 15.43% 8.52% 14.62% 5 17 2 15 20 1610 10 10 9

53 10 17 53 717 408 383 318 284 163

Lord Abbett Value Opportunities Fund 154, 87, 99

11/5/10 LVOTX LVO 0.67 Mid-Cap Blend 16.73% 13.35% 9.31% 16.73% 4 29 30 NS NS NS- 6 7 7

31 0 0 31 717 408 383 318 284 163

• Mid Cap Index Fund 101, 13, 22, 48, 57,

76, 82, 91

8/18/00 JECIX MCI 0.06 Mid-Cap Blend 20.11% 14.86% 8.70% 20.11% 4 0 NS NS NS NS9 9 8 7

12 23 13 12 717 1290 1133 903 577 163

Value Fund 106, 123, 13,

22, 77, 91, 9910/2/97 JEVLX VLF 0.39 Mid-Cap Blend 15.76% 12.99% 7.46% 15.76% 3 69 NS NS NS NS

6 6 7 543 64 41 43 717 1290 1133 903 577 163

Vanguard Strategic Equity Fund 165, 95

11/7/16 VSEQX VSE 0.21 Mid-Cap Blend 17.92% 17.34% 7.55% 17.92% 4 31 27 9 10 31- - - -

26 3 39 26 717 408 383 318 284 163

WisdomTree Mid-Cap Earnings ETF 119, 126, 139, 76

5/2/14 EZM EZM 0.44 Mid-Cap Blend 19.71% 15.38% 0.00% 19.71% 4 31 17 13 8 NS8 6 8 8

16 10 0 16 717 408 383 318 284 163

Mid Cap Growth

American Century Heritage Fund 54, 87 11/5/10 TWHIX HER 0.65 Mid-Cap

Growth 3.21% 11.58% 8.59% 3.21% 4 30 30 37 33 266 6 6 8

69 52 16 69 585 642 598 534 475 294

Baird MidCap Fund 134 11/7/14 BMDSX BAI 0.66 Mid-Cap

Growth 5.08% 10.25% 7.92% 5.08% 3 67 49 40 27 376 6 7 7

53 77 24 53 585 642 598 534 475 294



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2016Q2

2016Q3

2016Q4

2016

• Franklin Small-Mid Cap Growth Fund

7/30/99 FRSGX SCG 0.46 Mid-Cap Growth 4.33% 11.04% 6.60% 4.33% 3 52 43 28 31 27

6 6 6 659 64 59 59 585 642 598 534 475 294

Janus Enterprise Fund 11/7/16 JMGRX JEF 0.64 Mid-Cap

Growth 12.08% 14.91% 9.42% 12.08% 5 0 0 7 10 NS6 6 6 6

10 6 0 10 585 642 598 534 475 294

Mid Cap Stock Fund 13, 23, 41, 47, 73, 90 7/30/99 JIMSX MCS 0.41 Mid-Cap

Growth 0.61% 13.12% 6.47% 0.61% 3 64 55 40 44 NS- - - -

87 27 62 87 585 642 598 534 475 294

Prudential Jen-nison Mid Cap Growth Fund 4, 71

5/7/10 PEGZX JMG 0.51 Mid-Cap Growth 4.12% 10.61% 7.92% 4.12% 4 52 46 40 28 18

6 6 6 962 74 24 62 585 642 598 534 475 294

Vanguard Mid-Cap Growth ETF 118, 119,

123, 139, 76

11/8/13 VOT VOT 0.14 Mid-Cap Growth 6.75% 12.96% 7.35% 6.75% 4 0 2 13 18 NS

9 9 9 939 29 37 39 585 642 598 534 475 294

Small Cap Value

DFA U.S. Targeted Value Fund 25

11/2/07 DFFVX DUT 0.37 Small Value 26.86% 15.98% 7.36% 26.86% 3 19 14 9 12 1610 10 10 10

40 14 36 40 352 398 370 307 262 147

• Northern Small Cap Value Fund 126

5/2/14 NOSGX TRM 0.61 Small Value 27.87% 15.18% 7.53% 27.87% 4 0 0 10 13 1610 10 10 10

35 31 29 35 352 398 370 307 262 147

• Nuveen Small Cap Value Fund 165, 95

11/7/16 FSCCX ESC 0.88 Small Value 31.16% 17.68% 8.60% 31.16% 5 19 7 19 23 30- - - -

13 1 10 13 352 398 370 307 262 147

Royce Opportunity Fund 36, 39

5/14/04 RYPNX OPP 0.97 Small Value 29.86% 14.46% 7.03% 29.86% 2 61 77 54 47 366 5 6 5

22 45 46 22 352 398 370 307 262 147

• Undiscovered Managers Behav-ioral Value Fund 134

11/7/14 UBVLX UND 0.94 Small Value 20.84% 17.57% 9.11% 20.84% 5 12 2 1 4 248 8 9 9

81 2 2 81 352 398 370 307 262 147



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2016Q2

2016Q3

2016Q4

2016

Vanguard Small Cap Value Index Fund 120, 125

11/3/06 VSIAX VIS 0.08 Small Value 24.78% 16.36% 7.71% 24.78% 5 31 17 6 6 NS9 9 8 8

61 10 0 61 352 398 370 307 262 147

WisdomTree Small-Cap Dividend ETF 119, 126, 139, 76

5/2/14 DES DES 0.44 Small Value 31.05% 16.62% 7.48% 31.05% 4 0 0 3 4 NS10 10 10 10

14 7 32 14 352 398 370 307 262 147

Small Cap Blend

DFA US Small Cap Fund 31, 54

11/3/06 DFSTX SCP 0.37 Small Blend 23.53% 16.00% 8.44% 23.53% 4 0 2 3 2 99 9 9 9

29 12 14 29 625 725 642 531 481 257

Keeley Small Cap Value Fund 7

5/2/08 KSCVX KSV 0.86 Small Blend 18.94% 11.92% 4.81% 18.94% 1 79 81 70 62 486 4 5 5

67 79 92 67 625 725 642 531 481 257

• New Opportuni-ties Fund 123, 13, 149,

16, 38, 41, 47, 49, 73, 75

5/2/03 JISOX SPO 0.34 Small Blend 20.48% 13.67% 5.41% 20.48% 2 60 46 30 25 NS9 8 8 8

53 57 84 53 625 725 642 531 481 257

Royce Pennsylvania Mutual Fund 97, 99

5/6/11 PENNX RPM 0.73 Small Blend 26.47% 11.50% 6.45% 26.47% 3 67 66 78 68 435 5 5 5

11 83 57 11 625 725 642 531 481 257

• Small Cap Index Fund 101, 13, 22, 29, 76, 91

8/18/00 JESIX SCI 0.08 Small Blend 20.98% 14.20% 6.77% 20.98% 3 0 NS NS NS NS10 10 10 10

46 46 50 46 625 1720 1492 1164 828 257

Small Cap Value Fund 13, 22, 23, 53, 91

5/6/05 JESVX SMV 0.67 Small Blend 22.67% 14.86% 8.93% 22.67% 4 0 NS NS NS NS9 9 9 9

34 32 8 34 625 1720 1492 1164 828 257

Small Company Value Fund 13, 73

3/13/98 JISVX SMF 0.78 Small Blend 32.15% 13.80% 7.76% 32.15% 4 22 45 65 50 NS8 8 6 6

2 55 27 2 625 725 642 531 481 257

T. Rowe Price Small Cap Value Fund 12, 130, 59

4/27/01 PRSVX MSO 0.77 Small Blend 28.97% 13.98% 8.04% 28.97% 4 22 34 52 35 207 7 6 6

5 51 22 5 625 725 642 531 481 257

TIAA-CREF Small-Cap Blend Index Fund 165, 95

11/7/16 TISBX TCS 0.06 Small Blend 21.58% 14.71% 7.21% 21.58% 3 14 21 17 13 13- - - -

41 36 36 41 625 725 642 531 481 257



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2016Q2

2016Q3

2016Q4

2016

Small Cap Growth

Invesco Small Cap Growth Fund 130, 17,

18, 44, 57, 67

3/13/98 GTSVX SCO 0.47 Small Growth 11.70% 14.70% 8.78% 11.70% 4 0 2 5 5 510 10 10 10

41 12 9 41 1224 657 622 555 496 309

Small Cap Growth Fund 13, 22, 41, 53, 91

5/6/05 JESGX SCF 0.64 Small Growth 2.29% 10.97% 5.89% 2.29% 2 85 NS NS NS NS8 8 7 7

91 76 81 91 1224 1732 1580 1256 753 309

Vanguard Explorer Fund 120, 125, 39

5/14/04 VEXRX EXP 0.35 Small Growth 12.47% 13.28% 7.21% 12.47% 3 21 14 13 14 2410 9 9 9

37 32 52 37 1224 657 622 555 496 309

Vanguard Small Cap Growth Index Fund 120, 125, 41

11/3/06 VSGAX VSG 0.08 Small Growth 10.73% 12.80% 8.17% 10.73% 3 0 3 9 6 NS9 9 9 9

48 39 0 48 1224 657 622 555 496 309

• Wells Fargo Small Company Growth Fund 138, 163

5/8/15 WSC-GX WFA 0.8 Small Growth 7.72% 13.83% 7.79% 7.72% 3 40 27 10 7 NS

10 7 10 1072 23 0 72 1224 657 622 555 496 309

International/Global Value

Columbia Overseas Value Fund 165, 95 11/7/16 COSSX COV 0.87 Foreign Large

Value 1.08% 7.37% 0.00% 1.08% 4 14 3 NS NS NS- - - -

63 0 0 63 1783 309 272 236 198 92

• DFA International Small Cap Value Fund 150

11/6/15 DISVX DFI 0.69 Foreign Small/Mid Value 8.00% 11.55% 3.50% 8.00% 4 0 2 4 16 18

- - - 1016 6 6 16 1783 58 54 39 31 14

DFA International Value Fund 11/3/06 DFIVX DVF 0.43 Foreign Large

Value 8.41% 6.28% 0.28% 8.41% 3 0 47 41 41 245 6 9 10

16 30 44 16 1783 309 272 236 198 92

International Small Cap Fund 11/20/98 JIIMX ISF 0.57 Foreign Small/

Mid Value -2.73% 6.62% 2.25% -2.73% 3 78 71 58 46 NS7 7 7 8

87 60 30 87 1783 58 54 39 31 14

International Value Fund 13, 23,

47, 73, 9

7/30/99 JIVIX ITV 0.4 Foreign Large Value 12.67% 6.42% 1.07% 12.67% 3 21 44 42 28 NS

10 10 10 106 26 16 6 1783 309 272 236 198 92



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2016Q2

2016Q3

2016Q4

2016

iShares MSCI EAFE Value ETF 118, 119,

139, 76

11/8/13 EFV EFV 0.46 Foreign Large Value 4.87% 6.05% -0.36% 4.87% 3 0 49 32 31 NS

10 10 10 1028 36 61 28 1783 309 272 236 198 92

• John Hancock Disciplined Value International Fund 13, 159, 70, 73, 74, 79

7/30/99 JDIUX ITS 0.5 Foreign Large Value -0.18% 7.94% 0.00% -0.18% 5 13 26 NS NS NS

7 7 7 763 9 0 63 1783 677 651 531 477 240

Templeton World Fund 41, 80, 81

2/15/94 TEMWX DIV 0.56 World Stock 12.50% 9.68% 3.49% 12.50% 3 48 78 53 41 397 5 5 4

7 42 57 7 1783 937 841 649 562 279

International/Global Blend

Aberdeen Interna-tional Equity Fund 113

11/2/12 GIGSX AIE 0.78 Foreign Large Blend 6.49% 1.87% 1.07% 6.49% 2 84 83 64 42 33

5 4 5 54 97 29 4 2056 677 651 531 477 240

Capital World Growth and Income Fund 37, 61, 65

7/25/08 RWIFX CGI 0.44 World Stock 6.80% 10.33% 4.69% 6.80% 4 0 4 14 20 1610 9 10 9

35 27 26 35 2056 937 841 649 562 279

Dodge & Cox International Stock Fund

5/6/11 DODFX DCI 0.54 Foreign Large Blend 8.26% 7.98% 2.11% 8.26% 4 23 56 25 19 20

9 10 9 92 8 15 2 2056 677 651 531 477 240

Franklin Mutual Global Discovery Fund 132, 42, 61

11/22/96 MDISX DIS 0.74 World Stock 12.86% 10.40% 5.84% 12.86% 5 0 27 26 25 219 8 8 9

6 26 7 6 2056 937 841 649 562 279

• International Equity Index Fund 110, 13, 15, 21, 22, 29, 76, 91

8/18/00 JIEQX IIF 0.12 Foreign Large Blend 4.45% 4.78% 0.77% 4.45% 3 22 NS NS NS NS

5 7 8 815 0 0 15 2056 1649 1493 1132 687 240

Lazard Interna-tional Equity Fund 138, 140

5/8/15 LZIOX LAZ 0.69 Foreign Large Blend -4.46% 6.38% 1.52% -4.46% 4 42 14 6 4 24

9 9 9 993 34 22 93 2056 677 651 531 477 240

T. Rowe Price Overseas Stock Fund 138, 141

5/8/15 TROSX TRO 0.69 Foreign Large Blend 2.90% 6.70% 1.22% 2.90% 4 0 16 7 7 NS

10 10 10 1025 25 26 25 2056 677 651 531 477 240



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2016Q2

2016Q3

2016Q4

2016

Vanguard Total World Stock Index ETF 119, 126,

139, 76

5/2/14 VT VTA 0.2 World Stock 8.77% 9.87% 0.00% 8.77% 3 0 19 39 41 NS

10 10 10 1018 38 0 18 2056 937 841 649 562 279

International/Global Growth

EuroPacific Growth Fund 40, 41, 47, 61, 65, 85 5/2/03 RERFX EPG 0.49 Foreign Large

Growth 1.00% 7.17% 2.92% 1.00% 5 0 11 12 17 128 8 10 10

21 26 9 21 1781 339 327 279 237 129

• Invesco Interna-tional Growth Fund 110, 53, 57, 73

5/6/05 AIEVX IOF 0.63 Foreign Large Growth -0.53% 6.04% 2.75% -0.53% 4 21 14 22 17 15

5 5 6 938 55 14 38 1781 339 327 279 237 129

iShares MSCI EAFE Growth ETF 118, 119,

139, 76

11/8/13 EFG EFG 0.46 Foreign Large Growth -3.34% 6.36% 1.44% -3.34% 3 13 12 21 32 NS

10 10 10 1060 48 55 60 1781 339 327 279 237 129

John Hancock International Growth Fund 13, 131

11/3/06 GOIOX IGR 0.49 Foreign Large Growth -4.74% 8.88% 3.21% -4.74% 5 13 11 18 15 NS

10 10 10 1072 5 3 72 1781 339 327 279 237 129

New Perspective Fund 37, 61, 65

7/25/08 RNPFX ANP 0.45 World Stock 2.14% 11.46% 6.06% 2.14% 5 21 4 2 2 39 9 9 9

77 13 6 77 1781 937 841 649 562 279

Oppenheimer Glob-al Fund 130, 29, 56, 81

8/18/00 OPPAX WWF 0.65 World Stock 0.16% 10.21% 4.09% 0.16% 3 40 47 23 19 206 6 7 7

87 30 41 87 1781 937 841 649 562 279

Oppenheimer In-ternational Growth Fund 129, 3

11/7/08 OIGYX OIG 0.64 Foreign Large Growth -2.06% 7.62% 3.55% -2.06% 4 21 8 8 5 NS

9 9 9 949 15 1 49 1781 339 327 279 237 129

SMALLCAP World Fund 37, 61, 65

7/25/08 RSLFX ASW 0.72 World Stock 6.11% 12.12% 5.78% 6.11% 4 0 10 11 8 86 9 8 8

42 9 8 42 1781 937 841 649 562 279



5 6 7





2016Q2

2016Q3

2016Q4

2016

Specialty

DFA Emerging Markets Value Fund 99

11/3/06 DFEVX DEM 0.56Diversified Emerging Markets

19.84% 1.33% 2.27% 19.84% 3 20 53 59 53 305 5 5 8

5 56 30 5 1783 674 580 378 284 133

New World Fund 37, 61, 65, 99 7/25/08 RNWFX ANW

0.65 Diversified Emerging Markets

4.27% 4.75% 3.42% 4.27% 5 35 29 28 30 449 9 9 9

74 6 7 74 1781 674 580 378 284 133

• Northern Emerg-ing Markets Equity Index Fund 126, 76, 99

5/2/14 NOEMX EME0.15 Diversified

Emerging Markets

10.63% 0.89% 1.01% 10.63% 3 39 45 45 44 NS10 10 10 10

35 63 56 35 2056 674 580 378 284 133

Oppenheimer Developing Markets Fund

11/22/96 ODVYX DMK0.82 Diversified

Emerging Markets

7.17% 3.04% 4.48% 7.17% 4 35 16 11 7 NS9 9 9 9

57 22 1 57 1781 674 580 378 284 133

Sector

Financial Industries Fund 12, 13, 131, 132, 14,

15, 22, 91

4/27/01 JEFSX FSF 0.57 Financial 19.37% 14.28% 3.74% 19.37% 3 48 NS NS NS NS6 6 6 5

47 65 34 47 1147 212 198 169 123 55

iShares Gold Trust ETF 118, 119, 139, 76 11/8/13 IAU GLD

0.31 Commodities Precious Metals

8.88% -5.65% 5.88% 8.88% 0 0 1 1 3 NS- - - -

40 10 1 40 1147 22 18 16 11 NS

Janus Global Life Sciences Fund 157

6/10/16 JFNIX JGL 0.68 Health -12.27% 20.10% 12.35% -12.27% 4 15 17 6 7 NS- - - 8

62 12 0 62 1147 131 128 114 110 76

• Natural Resources Fund 112, 13, 131, 14, 38, 73

5/2/03 JINRX RES 0.49 Natural Resources 33.80% -5.48% -2.69% 33.80% 2 79 86 82 79 NS

5 5 5 518 92 93 18 1147 138 129 110 93 38



5 6 7





2016Q2

2016Q3

2016Q4

2016

• PIMCO Commod-ity Real Return Strategy Fund 128, 97

5/6/11 PCRRX CRR 0.93 Commodities Broad Basket 14.36% -9.19% -3.68% 14.36% 3 35 34 28 20 30

- - - -23 61 30 23 1147 130 124 77 40 5

Real Estate Securi-ties Fund 13, 14, 57, 73

10/2/97 JIREX REF 0.29 Real Estate 6.91% 11.07% 4.81% 6.91% 3 0 0 20 16 NS9 10 10 8

37 41 32 37 1147 259 242 203 181 119

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

10/2/97 JESTX STF 0.63 Technology 8.39% 15.66% 10.02% 8.39% 4 0 NS NS NS NS7 7 9 7

60 33 17 60 1147 454 409 350 259 121

T. Rowe Price Health Sciences Fund

4/27/01 PRHSX HLS 0.61 Health -10.35% 21.70% 14.44% -10.35% 5 35 22 17 17 109 7 7 8

49 3 3 49 1147 131 128 114 110 76

T. Rowe Price Science & Technol-ogy Fund 14, 62

5/3/96 PASTX SCT 0.66 Technology 11.55% 15.61% 9.64% 11.55% 3 0 3 15 25 287 5 7 6

47 34 30 47 1147 204 197 183 176 121

Tocqueville Gold Fund 118, 123 11/8/13 TGLDX TGF 0.94 Equity Precious

Metals 40.42% -13.48% -1.57% 40.42% 4 48 41 17 13 20- - - -

94 43 18 94 1147 71 70 66 60 40

Utilities Fund 115, 12,

13, 14, 22, 91 4/27/01 JEUTX ULT 0.42 Utilities 11.36% 7.93% 6.40% 11.36% 3 49 NS NS NS NS

5 5 4 481 74 35 81 1147 229 185 165 117 41

Vanguard Energy Fund 120, 125, 14, 34

9/6/02 VGELX VEN 0.31 Equity Energy 33.18% 1.74% 2.82% 33.18% 4 0 0 11 14 1210 7 7 7

25 30 31 25 1147 108 94 79 77 35

Balanced

American Balanced Fund 160, 31, 38, 40, 50,

61, 65

5/2/03 RLBEX ABF 0.28 Allocation--50% to 70% Equity 8.50% 10.77% 6.48% 8.50% 5 0 0 0 0 10

9 9 9 926 5 10 26 - 780 749 596 533 301

BlackRock Global Allocation Fund 3, 57, 63

11/7/08 MALOX BGA 0.62 World Allocation 4.09% 5.94% 4.90% 4.09% 4 19 20 27 30 18

7 7 7 770 49 17 70 396 442 410 284 238 109



5 6 7





2016Q2

2016Q3

2016Q4

2016

Capital Income Builder 154,37, 61, 65 7/25/08 RIREX CIB 0.29 World

Allocation 6.87% 7.24% 3.97% 6.87% 4 0 0 2 9 22- 7 6 6

28 17 42 28 - 442 410 284 238 109

Franklin Founding Funds Allocation Fund 132, 61, 7

5/2/08 FFAAX TFF 0.5 Allocation--70% to 85% Equity 13.82% 9.88% 4.03% 13.82% 3 44 67 41 32 41

5 4 6 75 16 63 5 352 388 369 271 240 132

Ivy Asset Strategy Fund 33 5/29/09 WASAX IAS 0.49 World

Allocation -5.42% 4.07% 4.83% -5.42% 2 88 82 55 52 334 4 4 6

99 79 18 99 396 442 410 284 238 109

• John Hancock Alternative Asset Allocation Fund 113, 13

5/6/11 JAAIX ALA 1.02 Multialternative 3.30% 3.25% 0.00% 3.30% 3 30 28 24 15 NS

- - - -32 44 0 32 237 264 214 135 103 10

MainStay Income Builder Fund 165, 95 11/7/16 MTOIX MSI 0.57 World

Allocation 9.42% 9.22% 5.96% 9.42% 5 0 0 1 1 9- - - -

14 2 3 14 - 442 410 284 238 109

Pax World Bal-anced Fund 1 11/6/09 PAXWX PAX 0.53 Allocation--50%

to 70% Equity 5.79% 8.03% 4.05% 5.79% 3 36 29 46 53 465 5 9 8

74 52 73 74 722 780 749 596 533 301

• PIMCO All Asset All Authority Fund 113

11/2/12 PAUIX PAA 1.8 Tactical Allocation 13.73% 1.75% 4.27% 13.73% 3 65 72 72 50 38

3 3 3 36 86 23 6 250 279 242 159 93 54

• PIMCO All Asset Fund 115, 39 5/14/04 PAALX AAF 0.915 Tactical

Allocation 13.13% 3.70% 4.53% 13.13% 4 49 52 55 38 294 5 5 5

9 68 14 9 250 279 242 159 93 54

T. Rowe Price Capital Appreciation Fund

11/5/10 PRWCX TCP 0.55 Allocation--50% to 70% Equity 8.22% 12.45% 7.93% 8.22% 5 0 0 0 0 4

9 9 9 929 1 1 29 - 780 749 596 533 301



5 6 7





2016Q2

2016Q3

2016Q4

2016

The Income Fund of America 37, 61, 65, 99 7/25/08 RIDFX IFA 0.28 Allocation--70%

to 85% Equity 10.89% 9.60% 5.69% 10.89% 5 0 0 7 5 1210 10 10 10

15 24 6 15 352 388 369 271 240 132

Target Date

American Century One Choice 2060 114, 157

6/10/16 ARGNX ACK 0.64 Target-Date 2060+ 7.92% 0.00% 0.00% 7.92% 0 NS NS NS NS NS

- - - -48 0 0 48 - 9 1 NS NS NS


5/2/14 ARENX ACJ 0.64 Target-Date 2055 7.82% 10.42% 0.00% 7.82% 4 11 5 NS NS NS

7 7 7 862 31 0 62 122 146 123 56 9 NS


5/2/14 ARFSX ACI 0.64 Target-Date 2050 7.60% 10.21% 0.00% 7.60% 4 12 6 6 6 NS

7 7 8 864 30 0 64 169 198 177 124 98 7


5/2/14 AOOIX ACH 0.62 Target-Date 2045 7.43% 10.02% 5.64% 7.43% 5 20 8 11 11 NS

8 8 9 867 38 4 67 150 175 161 113 79 1


5/2/14 ARDSX ACG 0.58 Target-Date 2040 7.11% 9.53% 0.00% 7.11% 4 14 7 11 13 NS

8 8 9 871 44 0 71 - 205 185 146 125 31


5/2/14 ARLIX ACF 0.55 Target-Date 2035 6.75% 8.90% 5.38% 6.75% 4 45 13 21 19 NS

9 8 9 779 58 4 79 150 175 161 114 80 7


5/2/14 ARCSX ACE 0.52 Target-Date 2030 6.63% 8.24% 0.00% 6.63% 3 34 12 21 20 NS

8 8 9 872 54 0 72 177 205 185 146 125 31


5/2/14 ARWFX ACD 0.5 Target-Date 2025 6.42% 7.62% 5.19% 6.42% 4 37 13 23 20 NS

8 8 9 870 56 4 70 150 175 161 114 80 7



5 6 7





2016Q2

2016Q3

2016Q4

2016


5/2/14 ARBSX ACC 0.47 Target-Date 2020 6.19% 7.10% 0.00% 6.19% 3 15 5 8 9 NS

8 8 8 755 41 0 55 177 205 185 146 125 31

American Century One Choice In Re-tirement 114, 126, 136

5/2/14 ATTIX ACA 0.44 Target-Date Retirement 6.12% 6.46% 5.07% 6.12% 4 0 7 4 3 NS

6 6 6 616 1 4 16 133 151 146 121 104 29

• American Funds 2060 Target Date Retirement Fund 114, 151

3/24/16 REMTX AFM 0.47 Target-Date 2060+ 8.29% 0.00% 0.00% 8.29% 0 NS NS NS NS NS

- - - -34 0 0 34 - 9 1 NS NS NS

American Funds 2055 Target Date Retirement Fund 114, 151

3/24/16 REKTX AFL 0.47 Target-Date 2055 8.34% 11.45% 0.00% 8.34% 5 0 0 0 NS NS

- - - 1044 3 0 44 - 146 123 56 9 NS


3/24/16 REITX AFK 0.44 Target-Date 2050 8.27% 11.49% 0.00% 8.27% 5 0 0 0 2 NS

- - - 1046 1 0 46 - 198 177 124 98 7


3/24/16 REHTX AFJ 0.44 Target-Date 2045 8.20% 11.47% 0.00% 8.20% 5 0 0 0 2 NS

- - - 1047 1 0 47 - 175 161 113 79 1


3/24/16 REGTX AFG 0.42 Target-Date 2040 8.10% 11.40% 0.00% 8.10% 5 0 0 0 1 NS

- - - 1042 1 0 42 - 205 185 146 125 31


3/24/16 REFTX AFF 0.42 Target-Date 2035 7.94% 11.24% 0.00% 7.94% 5 0 0 0 1 NS

- - - 1043 1 0 43 - 175 161 114 80 7


3/24/16 REETX AFE 0.4 Target-Date 2030 7.64% 11.10% 0.00% 7.64% 5 0 0 0 0 NS

- - - 1040 1 0 40 - 205 185 146 125 31



5 6 7





2016Q2

2016Q3

2016Q4

2016


3/24/16 REDTX AFD 0.39 Target-Date 2025 7.21% 10.36% 0.00% 7.21% 5 0 0 0 0 NS

- - - 1036 1 0 36 - 175 161 114 80 7


3/24/16 RECTX AFC 0.37 Target-Date 2020 6.99% 8.91% 0.00% 6.99% 5 0 0 0 2 NS

- - - 1028 2 0 28 - 205 185 146 125 31


3/24/16 REJTX AFB 0.36 Target-Date 2015 7.59% 7.98% 0.00% 7.59% 5 0 0 0 0 NS

- - - 105 3 0 5 - 110 101 77 54 7


3/24/16 REATX AFA 0.36 Target-Date 2000-2010 7.39% 7.12% 0.00% 7.39% 5 0 0 0 0 NS

- - - 108 2 0 8 - 101 93 76 63 29

• BlackRock Life-Path Index 2055 Fund 114, 157

6/10/16 LIVKX BRJ 0.14 Target-Date 2055 8.37% 10.71% 0.00% 8.37% 4 0 0 NS NS NS

- - - 1042 22 0 42 - 146 123 56 9 NS


6/10/16 LIPKX BRI 0.15 Target-Date 2050 8.40% 10.33% 0.00% 8.40% 4 0 0 NS NS NS

- - - 941 24 0 41 - 198 177 124 98 7


6/10/16 LIHKX BRH 0.15 Target-Date 2045 8.28% 9.89% 0.00% 8.28% 3 0 0 NS NS NS

- - - 645 45 0 45 - 175 161 113 79 1


6/10/16 LIKKX BRG 0.15 Target-Date 2040 8.10% 9.42% 0.00% 8.10% 3 0 0 NS NS NS

- - - 642 47 0 42 - 205 185 146 125 31


6/10/16 LIJKX BRF 0.14 Target-Date 2035 7.74% 8.85% 0.00% 7.74% 3 40 12 NS NS NS

- - - 651 61 0 51 - 175 161 114 80 7



5 6 7





2016Q2

2016Q3

2016Q4

2016


6/10/16 LINKX BRE 0.14 Target-Date 2030 7.29% 8.27% 0.00% 7.29% 3 34 6 NS NS NS

- - - 652 52 0 52 - 205 185 146 125 31


6/10/16 LIBKX BRD 0.13 Target-Date 2025 6.87% 7.63% 0.00% 6.87% 4 37 9 NS NS NS

- - - 851 55 0 51 - 175 161 114 80 7


6/10/16 LIMKX BRC 0.12 Target-Date 2020 6.32% 6.86% 0.00% 6.32% 3 0 0 NS NS NS

- - - 750 47 0 50 - 205 185 146 125 31

• BlackRock Life-Path Index Retire-ment Fund 114, 157

6/10/16 LIRKX BRA 0.11 Target-Date Retirement 5.82% 5.58% 0.00% 5.82% 4 0 0 NS NS NS

- - - 723 14 0 23 - 151 146 121 104 29

• JH Thru 2060 Active Strategy 114,

13, 157, 99

6/10/16 JRETX LXL 0.39 Target-Date 2060+ 0.00% 0.00% 0.00% 0.00% 0 NS NS NS NS NS

- - - -0 0 0 0 - 9 1 NS NS NS

• JH Retirement Through 2055 - Active Strategies 114, 13, 157, 99

5/2/14 JLKUX LXK 0.39 Target-Date 2055 8.65% 0.00% 0.00% 8.65% 0 NS NS NS NS NS

- - - -34 0 0 34 - 146 123 56 9 NS

• JH Retirement Through 2050 - Active Strategies 114, 126, 13

5/6/11 JLKOX LXJ 0.39 Target-Date 2050 8.76% 10.21% 0.00% 8.76% 4 0 11 NS NS NS

- 6 8 833 29 0 33 169 198 177 124 98 7

• JH Retirement Through 2045 - Active Strategies 111,114, 125, 13, 97

11/3/06 JLJOX LXI 0.37 Target-Date 2045 8.76% 10.20% 4.81% 8.76% 3 0 15 10 15 NS

7 7 8 831 30 22 31 150 175 161 113 79 1

• JH Retirement Through 2040 - Active Strategies 101, 111,114, 125, 13, 46

11/3/06 JLIOX LXH 0.37 Target-Date 2040 8.73% 10.19% 4.81% 8.73% 3 0 14 12 16 NS

7 7 8 828 22 23 28 177 205 185 146 125 31



5 6 7





2016Q2

2016Q3

2016Q4

2016


11/3/06 JLHOX LXG 0.37 Target-Date 2035 8.66% 10.10% 4.78% 8.66% 3 17 27 17 22 NS

7 7 8 818 21 19 18 150 175 161 114 80 7


11/3/06 JLFOX LXF 0.37 Target-Date 2030 8.41% 9.75% 4.60% 8.41% 3 15 24 16 25 NS

7 7 8 816 11 20 16 177 205 185 146 125 31


11/3/06 JLEOX LXE 0.36 Target-Date 2025 8.37% 9.20% 4.56% 8.37% 4 20 30 16 23 NS

8 8 9 86 12 22 6 150 175 161 114 80 7


11/3/06 JLDOX LXD 0.36 Target-Date 2020 8.12% 8.35% 4.53% 8.12% 4 15 21 14 21 NS

7 8 9 86 7 17 6 177 205 185 146 125 31


11/3/06 JLBOX LXC 0.37 Target-Date 2015 7.70% 7.50% 4.41% 7.70% 3 19 26 14 14 NS

7 8 9 83 16 26 3 92 110 101 77 54 7

• JH Retirement Through 2010 - Active Strategies 101, 111,114, 125, 13, 46, 57

11/3/06 JLAOX LXB 0.37 Target-Date 2000-2010 7.44% 6.80% 4.38% 7.44% 4 0 24 13 9 NS

7 8 8 85 14 16 5 84 101 93 76 63 29

• JH Retirement Through 2060 - Managed Portfolio 114, 13, 157, 99

6/10/16 JRODX LYA 0.18 Target-Date 2060+ 0.00% 0.00% 0.00% 0.00% 0 NS NS NS NS NS

- - - -0 0 0 0 - 9 1 NS NS NS

• JH Retirement Through 2055 - Managed Portfolio 114, 126, 13

5/2/14 JLKZX LXZ 0.18 Target-Date 2055 10.40% 0.00% 0.00% 10.40% 0 NS NS NS NS NS

- - - -4 0 0 4 - 146 123 56 9 NS


5/2/14 JRLWX LXY 0.18 Target-Date 2050 10.34% 0.00% 0.00% 10.34% 4 18 NS NS NS NS

- - - -8 0 0 8 169 198 177 124 98 7



5 6 7





2016Q2

2016Q3

2016Q4

2016


5/2/14 JRLQX LXX 0.18 Target-Date 2045 10.35% 0.00% 0.00% 10.35% 5 0 NS NS NS NS

- - - -3 0 0 3 150 175 161 113 79 1


5/2/14 JRTTX LXW 0.18 Target-Date 2040 10.42% 0.00% 0.00% 10.42% 5 0 NS NS NS NS

- - - -6 0 0 6 177 205 185 146 125 31


5/2/14 JRTKX LXV 0.17 Target-Date 2035 10.13% 0.00% 0.00% 10.13% 5 0 NS NS NS NS

- - - -3 0 0 3 150 175 161 114 80 7


5/2/14 JRTGX LXU 0.2 Target-Date 2030 9.93% 0.00% 0.00% 9.93% 5 0 NS NS NS NS

- - - -6 0 0 6 177 205 185 146 125 31


5/2/14 JRTBX LXT 0.21 Target-Date 2025 9.44% 0.00% 0.00% 9.44% 5 0 NS NS NS NS

- - - -1 0 0 1 150 175 161 114 80 7


5/2/14 JRLOX LXS 0.23 Target-Date 2020 9.00% 0.00% 0.00% 9.00% 5 0 NS NS NS NS

- - - -1 0 0 1 - 205 185 146 125 31


5/2/14 JRLIX LXR 0.24 Target-Date 2015 8.43% 0.00% 0.00% 8.43% 4 34 NS NS NS NS

- - - -1 0 0 1 92 110 101 77 54 7


5/2/14 JRLDX LXQ 0.26 Target-Date 2000-2010 7.98% 0.00% 0.00% 7.98% 5 30 NS NS NS NS

- - - -1 0 0 1 - 101 93 76 63 29

• JH Retirement To 2060 - Managed Portfolio 114, 13, 157, 99

6/10/16 JCHOX CZL 0.18 Target-Date 2060+ 0.00% 0.00% 0.00% 0.00% 0 NS NS NS NS NS

- - - -0 0 0 0 - 9 1 NS NS NS



5 6 7





2016Q2

2016Q3

2016Q4

2016

• JH Retirement To 2055 - Managed Portfolio 114, 126, 13

5/2/14 JRIYX CZK 0.18 Target-Date 2055 9.84% 0.00% 0.00% 9.84% 0 NS NS NS NS NS

- - - -8 0 0 8 - 146 123 56 9 NS

• JH Retirement To 2050 - Managed Portfolio 111, 114, 125, 13, 97

5/6/11 JRIOX CZJ 0.18 Target-Date 2050 9.76% 9.23% 0.00% 9.76% 3 23 29 NS NS NS

- 7 7 714 69 0 14 169 198 177 124 98 7

• JH Retirement To 2045 - Managed Portfolio 101, 111, 114,

125, 13, 2

5/7/10 JRVOX CZI 0.18 Target-Date 2045 9.82% 9.25% 0.00% 9.82% 3 28 32 45 NS NS

7 7 7 77 74 0 7 150 175 161 113 79 1


125, 13, 2

5/7/10 JRROX CZH 0.17 Target-Date 2040 9.54% 9.16% 0.00% 9.54% 3 27 23 34 NS NS

7 7 7 713 55 0 13 177 205 185 146 125 31


125, 13, 2

5/7/10 JRYOX CZG 0.16 Target-Date 2035 9.04% 8.79% 0.00% 9.04% 3 35 29 40 NS NS

8 8 8 711 62 0 11 150 175 161 114 80 7


125, 13, 2

5/7/10 JRHOX CZF 0.16 Target-Date 2030 8.31% 8.07% 0.00% 8.31% 3 27 23 34 NS NS

7 8 7 818 59 0 18 177 205 185 146 125 31


125, 13, 2

5/7/10 JREOX CZE 0.16 Target-Date 2025 6.78% 6.82% 0.00% 6.78% 2 42 39 48 NS NS

8 8 8 757 77 0 57 150 175 161 114 80 7


125, 13, 2

5/7/10 JRWOX CZD 0.16 Target-Date 2020 5.17% 5.06% 0.00% 5.17% 2 54 46 51 NS NS

8 8 8 883 82 0 83 177 205 185 146 125 31

• JH Retirement Income - Managed Portfolio 101, 111, 114,

125, 13, 153, 155, 2

5/7/10 JRFOX CZC 0.19 Target-Date 2015 3.36% 3.14% 0.00% 3.36% 2 53 54 62 NS NS

8 8 7 790 84 0 90 133 151 146 121 104 29



5 6 7





2016Q2

2016Q3

2016Q4

2016

• JPMorgan Smart Retirement 2055 114, 128, 157

6/10/16 JFFAX JPX 0.4 Target-Date 2055 6.54% 0.00% 0.00% 6.54% 3 46 25 NS NS NS

- - - -86 0 0 86 - 146 123 56 9 NS


6/10/16 JTSAX JPW 0.4 Target-Date 2050 6.47% 10.25% 0.00% 6.47% 4 33 23 11 8 NS

- - - 785 28 0 85 - 198 177 124 98 7


6/10/16 JSAAX JPV 0.4 Target-Date 2045 6.54% 10.29% 0.00% 6.54% 4 33 25 13 10 NS

- - - 1087 25 0 87 - 175 161 113 79 1


6/10/16 SMTAX JPU 0.4 Target-Date 2040 6.53% 10.25% 5.22% 6.53% 4 27 24 10 9 NS

- - - 784 20 10 84 - 205 185 146 125 31


6/10/16 SRJAX JPT 0.38 Target-Date 2035 6.15% 10.02% 0.00% 6.15% 4 26 26 14 15 NS

- - - 887 24 0 87 - 175 161 114 80 7


6/10/16 JSMAX JPS 0.36 Target-Date 2030 5.88% 9.39% 4.93% 5.88% 4 22 23 13 15 NS

- - - 986 20 13 86 - 205 185 146 125 31


6/10/16 JNSAX JPR 0.34 Target-Date 2025 5.88% 8.70% 0.00% 5.88% 4 27 25 12 9 NS

- - - 982 23 0 82 - 175 161 114 80 7

JPMorgan Smart Retirement 2020 114, 128, 157

6/10/16 JTTAX JPQ 0.31 Target-Date 2020 5.58% 7.65% 4.67% 5.58% 4 15 16 7 5 NS

- - - 973 23 10 73 - 205 185 146 125 31

JPMorgan Smart Retirement 2015 114, 128, 157, 99

6/10/16 JSFAX JPP 0.25 Target-Date 2015 4.82% 6.27% 4.24% 4.82% 3 55 37 22 16 NS

- - - 987 67 48 87 - 110 101 77 54 7



5 6 7





2016Q2

2016Q3

2016Q4

2016

JPMorgan Smart Retirement Income 114, 128, 157

6/10/16 JSRAX JPO 0.22 Target-Date Retirement 4.97% 5.19% 4.25% 4.97% 4 27 26 12 10 NS

- - - 755 22 21 55 - 151 146 121 104 29

T. Rowe Price Retirement 2060 114, 157

6/10/16 TRRLX TRZ 0.61 Target-Date 2060+ 7.63% 0.00% 0.00% 7.63% 0 NS NS NS NS NS

- - - -57 0 0 57 - 9 1 NS NS NS


5/2/14 TRRNX TRY 0.61 Target-Date 2055 7.73% 11.14% 5.64% 7.73% 5 11 1 1 1 NS

9 8 9 863 7 1 63 122 146 123 56 9 NS


5/2/14 TRRMX TRX 0.61 Target-Date 2050 7.71% 11.14% 5.65% 7.71% 5 12 1 1 1 NS

9 8 9 862 5 1 62 - 198 177 124 98 7


5/2/14 TRRKX TRW 0.61 Target-Date 2045 7.69% 11.14% 5.65% 7.69% 4 20 2 1 1 NS

8 8 9 862 4 1 62 150 175 161 113 79 1


5/2/14 TRRDX TRV 0.61 Target-Date 2040 7.63% 11.12% 5.64% 7.63% 4 14 4 2 1 4

8 8 9 858 2 1 58 177 205 185 146 125 31


5/2/14 TRRJX TRU 0.59 Target-Date 2035 7.64% 10.87% 5.52% 7.64% 4 17 4 2 1 2

9 9 10 856 4 1 56 150 175 161 114 80 7


5/2/14 TRRCX TRT 0.57 Target-Date 2030 7.69% 10.43% 5.45% 7.69% 4 0 3 1 3 4

9 8 10 839 3 1 39 177 205 185 146 125 31


5/2/14 TRRHX TRS 0.54 Target-Date 2025 7.55% 9.75% 5.32% 7.55% 4 0 5 2 5 7

9 9 9 920 4 1 20 150 175 161 114 80 7



5 6 7





2016Q2

2016Q3

2016Q4

2016


5/2/14 TRRBX TRR 0.51 Target-Date 2020 7.41% 8.96% 5.19% 7.41% 5 0 4 2 6 6

9 9 9 814 1 1 14 177 205 185 146 125 31


5/2/14 TRRGX TRQ 0.47 Target-Date 2015 7.31% 8.06% 5.04% 7.31% 4 0 2 4 8 5

8 9 9 911 1 1 11 92 110 101 77 54 7


5/2/14 TRRAX TRP 0.44 Target-Date 2000-2010 7.11% 7.03% 4.76% 7.11% 4 0 0 5 9 8

6 7 8 814 5 1 14 - 101 93 76 63 29

Vanguard Target Retirement 2060 114, 157

6/10/16 VTTSX VGL 0.16 Target-Date 2060+ 8.84% 0.00% 0.00% 8.84% 0 0 0 NS NS NS

- - - -21 0 0 21 - 9 1 NS NS NS


6/10/16 VFFVX VGK 0.16 Target-Date 2055 8.88% 10.51% 0.00% 8.88% 4 0 0 10 NS NS

- - - 827 26 0 27 - 146 123 56 9 NS


6/10/16 VFIFX VGJ 0.16 Target-Date 2050 8.85% 10.54% 5.27% 8.85% 5 0 0 9 11 NS

- - - 729 17 10 29 - 198 177 124 98 7


6/10/16 VTIVX VGI 0.16 Target-Date 2045 8.87% 10.54% 5.27% 8.87% 4 0 0 9 11 9

- - - 728 18 10 28 - 175 161 113 79 1


6/10/16 VFORX VGH 0.16 Target-Date 2040 8.73% 10.51% 5.26% 8.73% 5 0 0 10 12 NS

- - - 727 14 8 27 - 205 185 146 125 31


6/10/16 VTTHX VGG 0.15 Target-Date 2035 8.26% 10.15% 5.09% 8.26% 4 0 0 9 11 9

- - - 832 16 10 32 - 175 161 114 80 7



5 6 7





2016Q2

2016Q3

2016Q4

2016


6/10/16 VTHRX VGF 0.15 Target-Date 2030 7.85% 9.50% 4.98% 7.85% 5 0 0 10 12 NS

- - - 832 17 11 32 - 205 185 146 125 31


6/10/16 VTTVX VGE 0.15 Target-Date 2025 7.48% 8.86% 5.00% 7.48% 4 0 0 8 11 9

- - - 823 18 7 23 - 175 161 114 80 7


6/10/16 VTWNX VGD 0.14 Target-Date 2020 6.95% 8.17% 4.99% 6.95% 5 0 0 9 11 NS

- - - 829 10 2 29 - 205 185 146 125 31


6/10/16 VTXVX VGC 0.14 Target-Date 2015 6.16% 7.22% 4.85% 6.16% 5 19 4 10 12 11

- - - 856 31 5 56 - 110 101 77 54 7

Vanguard Target Retirement 2010 114, 157, 99

6/10/16 VTENX VGB 0.14 Target-Date 2000-2010 5.22% 5.97% 4.61% 5.22% 4 41 8 14 16 NS

- - - 978 53 6 78 - 101 93 76 63 29

Vanguard Target Retirement Income 114, 157

6/10/16 VTINX VGA 0.14 Target-Date Retirement 5.25% 4.91% 4.88% 5.25% 4 0 0 8 12 12

- - - 841 29 9 41 - 151 146 121 104 29

Target Risk

JH Lifestyle Aggres-sive - Active Strate-gies 101, 125, 13, 99

10/2/97 JILAX ALS0.51 Alloca-

tion--85%+ Equity

7.26% 10.29% 4.27% 7.26% 3 57 48 47 62 NS7 7 8 7

55 53 43 55 139 159 144 111 107 52

JH Lifestyle Growth - Active Strategies 101, 123, 125, 13, 99

10/2/97 JILGX GLS 0.48 Allocation--70% to 85% Equity 7.03% 9.42% 4.71% 7.03% 3 44 37 19 15 NS

6 6 9 959 31 39 59 352 388 369 271 240 132

JH Lifestyle Balanced - Active Strategies 101, 123, 125,

13, 9, 99

10/2/97 JILBX BLS 0.45 Allocation--50% to 70% Equity 7.16% 7.94% 4.73% 7.16% 3 52 55 52 39 NS

8 8 8 942 55 52 42 722 780 749 596 533 301



5 6 7





2016Q2

2016Q3

2016Q4

2016

JH Lifestyle Moder-ate - Active Strate-gies 101, 125, 13, 31, 99

10/2/97 JILMX MLS 0.39 Allocation--30% to 50% Equity 6.84% 6.40% 4.82% 6.84% 4 13 19 11 7 NS

8 9 9 1038 28 23 38 417 449 426 356 326 137

JH Lifestyle Con-servative - Active Strategies 101, 125,

13, 99

10/2/97 JILCX CLS 0.39 Allocation--15% to 30% Equity 5.88% 4.71% 4.68% 5.88% 4 0 11 32 23 NS

9 9 9 1034 25 15 34 168 203 193 126 104 35

• JH Lifestyle Ag-gressive - Managed Portfolio 126, 13, 91, 99

5/2/14 JIIOX LBA0.16 Alloca-

tion--85%+ Equity

10.52% 0.00% 0.00% 10.52% 4 0 NS NS NS NS- - - -

19 0 0 19 139 159 144 111 107 52

• JH Lifestyle Growth - Managed Portfolio 126, 13, 91, 99

5/2/14 JLGOX LBG 0.19 Allocation--70% to 85% Equity 9.38% 0.00% 0.00% 9.38% 4 0 NS NS NS NS

- - - -27 0 0 27 352 388 369 271 240 132

• JH Lifestyle Bal-anced - Managed Portfolio 126, 13, 91, 99

5/2/14 JIBOX LBB 0.22 Allocation--50% to 70% Equity 8.61% 0.00% 0.00% 8.61% 3 0 NS NS NS NS

- - - -24 0 0 24 - 780 749 596 533 301

• JH Lifestyle Mod-erate - Managed Portfolio 126, 13, 91, 99

5/2/14 JLMOX LBM 0.25 Allocation--30% to 50% Equity 7.61% 0.00% 0.00% 7.61% 4 0 NS NS NS NS

- - - -29 0 0 29 417 449 426 356 326 137

• JH Lifestyle Con-servative - Man-aged Portfolio 126,

13, 91, 99

5/2/14 JLCGX LBC 0.26 Allocation--15% to 30% Equity 6.42% 0.00% 0.00% 6.42% 4 0 NS NS NS NS

- - - -27 0 0 27 168 203 193 126 104 35

• JH Lifestyle Ag-gressive - Managed Volatility 126, 127, 33

5/2/14 JELAX AVA 0.37 Large Blend 1.95% 7.54% 2.95% 1.95% 1 86 NS NS NS NS5 5 5 5

97 86 85 97 352 894 799 591 390 132

• JH Lifestyle Growth - Managed Volatility 126, 127, 33

5/2/14 JELGX AVG 0.26 Allocation--70% to 85% Equity 3.34% 6.49% 3.30% 3.34% 1 85 NS NS NS NS

6 6 6 593 85 89 93 722 1932 1737 1344 871 301



5 6 7





2016Q2

2016Q3

2016Q4

2016

• JH Lifestyle Bal-anced - Managed Volatility 126, 127, 33

5/2/14 JELBX AVB 0.24 Allocation--50% to 70% Equity 4.79% 6.15% 3.78% 4.79% 2 66 NS NS NS NS

7 7 8 686 90 81 86 722 1932 1737 1344 871 301

• JH Lifestyle Mod-erate - Managed Volatility 126, 127, 33

5/2/14 JELMX AVM 0.23 Allocation--30% to 50% Equity 5.29% 5.96% 4.37% 5.29% 3 18 NS NS NS NS

9 9 9 970 42 39 70 417 1081 942 748 469 137

• JH Lifestyle Con-servative - Man-aged Volatility 126,

127, 33

5/2/14 JELCX AVC 0.2 Allocation--15% to 30% Equity 4.58% 4.37% 4.31% 4.58% 4 0 NS NS NS NS

10 10 10 1066 32 24 66 168 454 391 286 174 35

Russell LifePoints Equity Growth Strategy

4/27/01 RELUX ERS 0.88 Allocation--70% to 85% Equity 10.90% 8.63% 2.68% 10.90% 2 58 73 81 71 NS

4 4 4 414 57 89 14 - 388 369 271 240 132

Russell LifePoints Growth Strategy 4/27/01 RALUX ARS 0.85

Alloca-tion--70% to 85% Equity

9.54% 7.67% 3.25% 9.54% 2 58 70 85 83 NS4 4 4 4

25 84 80 25 - 388 369 271 240 132

Russell LifePoints Balanced Strategy 4/27/01 RBLUX BRS 0.8 Allocation--50%

to 70% Equity 8.82% 6.95% 3.87% 8.82% 2 58 65 78 77 NS4 4 4 4

21 77 78 21 - 780 749 596 533 301

Russell LifePoints Moderate Strategy 4/27/01 RMLUX MRS 0.69 Allocation--30%

to 50% Equity 7.49% 5.36% 3.93% 7.49% 3 29 39 56 57 NS4 4 4 4

30 59 61 30 - 449 426 356 326 137

Russell LifePoints Conservative Strat-egy

4/27/01 RCLUX CRS 0.56 Allocation--15% to 30% Equity 5.42% 3.78% 3.76% 5.42% 3 27 42 65 59 NS

5 5 5 542 52 45 42 - 203 193 126 104 35

G.I.F.L.

Franklin Founding Funds Allocation Fund - G.I.F.L.

5/2/08 FFAAX GFF0.5 Alloca-

tion--70% to 85% Equity

13.82% 9.88% 4.03% 13.82% 3 44 67 41 32 415 4 6 7

5 16 63 5 - 388 369 271 240 132



5 6 7





2016Q2

2016Q3

2016Q4

2016

Lifestyle Fund - Growth Portfolio - G.I.F.L.

10/2/97 JILGX GGL 0.48 Allocation--70% to 85% Equity 7.03% 9.42% 4.71% 7.03% 3 44 37 19 15 NS

6 6 9 959 31 39 59 - 388 369 271 240 132

Lifestyle Fund - Balanced Portfolio - G.I.F.L.

10/2/97 JILBX GBL 0.45 Allocation--50% to 70% Equity 7.16% 7.94% 4.73% 7.16% 3 52 55 52 39 NS

8 8 8 942 55 52 42 - 780 749 596 533 301

Lifestyle Fund - Moderate Portfolio - G.I.F.L.

10/2/97 JILMX GML 0.39 Allocation--30% to 50% Equity 6.84% 6.40% 4.82% 6.84% 4 13 19 11 7 NS

8 9 9 1038 28 23 38 - 449 426 356 326 137

Lifestyle Fund - Conservative Port-folio - G.I.F.L.

10/2/97 JILCX GCL 0.39 Allocation--15% to 30% Equity 5.88% 4.71% 4.68% 5.88% 4 0 11 32 23 NS

9 9 9 1034 25 15 34 - 203 193 126 104 35

Select Asset Allocation Growth Portfolio 101, 123, 127, 13,

133, 135, 22, 35, 91

11/6/09 JELGX SAG0.26 Alloca-


3.34% 6.49% 3.30% 3.34% 1 85 NS NS NS NS6 6 6 5

93 85 89 93 2029 1932 1737 1344 871 301

Select Asset Allo-cation Balanced Portfolio 101, 127, 13, 133,

135, 22, 35, 91

11/6/09 JELBX SAB 0.24 Allocation--50% to 70% Equity 4.79% 6.15% 3.78% 4.79% 2 66 NS NS NS NS

7 7 8 686 90 81 86 2029 1932 1737 1344 871 301

Select Asset Allo-cation Moderate Portfolio 101, 127, 13, 133,

135, 22, 35, 91

11/6/09 JELMX SAM 0.23 Allocation--30% to 50% Equity 5.29% 5.96% 4.37% 5.29% 3 18 NS NS NS NS

9 9 9 970 42 39 70 2029 1081 942 748 469 137

Select Asset Alloca-tion Conservative Portfolio 101, 127, 13, 133,

135, 22, 35, 91

11/6/09 JELCX SAC 0.2Alloca-


4.58% 4.37% 4.31% 4.58% 4 0 NS NS NS NS10 10 10 10

66 32 24 66 2029 454 391 286 174 35



5 6 7





2016Q2

2016Q3

2016Q4

2016

Select Lifestyle Growth Portfolio 11/8/13 JHGPX SPG 0.14 Allocation--50%

to 70% Equity 7.23% 8.73% 0.00% 7.23% 3 0 NS NS NS NS- - - -

41 0 0 41 - 1932 1737 1344 871 301

Select Lifestyle Bal-anced Portfolio 11/8/13 JHBPX SPB 0.16 Allocation--30%


51 0 0 51 - 1081 942 748 469 137

Select Lifestyle Moderate Portfolio 11/8/13 JHMPX SPM 0.17 Allocation--30%


64 0 0 64 - 1081 942 748 469 137

Select Lifestyle Conservative Port-folio

11/8/13 JHCIX SPC 0.19 Allocation--15% to 30% Equity 4.39% 4.28% 0.00% 4.39% 4 0 NS NS NS NS

- - - -70 0 0 70 - 454 391 286 174 35

High Quality Short Term Fixed Income

• Federated Capital Preservation Fund 138, 142, 144, 166, 83

9/11/15 FCP 0.46 Ultrashort Bond 1.18% 0.00% 0.00% 1.18% 3 33 - - - -

- - - -76 0 0 76 1018 - - - - -

John Hancock Sta-ble Value Fund 13, 142,

143, 166, 26, 27, 39, 52, 89

5/14/04 MSV 0.45 Ultrashort Bond - - - - - - - - - -- - - -

- - 0 76 1018 - - - - -

• Money Market Fund 101, 13, 142, 143, 158,

166, 22, 82, 83, 91

7/30/99 JHOXX MMR 0.03 Prime Money Market 0.07% 0.02% 0.66% 0.07% 0 58 NS NS NS NS

- - - -0 0 0 0 1018 456 446 428 364 NS

New York Life Insur-ance Company An-chor Account Fund 138, 143, 145, 152, 166, 83

9/11/15 CNY 0.47 Ultrashort Bond 1.62% 0.00% 0.00% 1.62% 4 - - - - -- - - -

57 0 0 57 1018 - - - - -

Reliance MetLife Stable Value Fund 142, 143,

165, 167, 83, 95

11/7/16 RMS 0.62 Ultrashort Bond 2.31% 2.59% 3.63% 2.31% 5 - - - - -

- - - -93 69 47 93 1018 - - - - -



5 6 7





2016Q2

2016Q3

2016Q4

2016

Medium Quality Short Term Fixed Income

Lord Abbett Short Duration Income Fund 142, 143, 150, 154,

166, 83, 99

11/6/15 LDLTX LAS 0.2 Short-Term Bond 3.97% 2.92% 4.50% 3.97% 5 0 6 NS NS NS

- - - 810 0 0 10 811 484 457 387 336 198

• PIMCO Short-Term Fund 142, 143, 165,

166, 83, 95, 99

11/7/16 PSHAX PST 0.3 Ultrashort Bond 2.31% 1.58% 2.08% 2.31% 5 44 43 29 26 21- - - -

10 15 12 10 1018 143 131 84 67 46

T. Rowe Price Short Term Bond Fund 165, 95, 99

5/7/10 PRWBX STB 0.37 Short-Term Bond 1.58% 1.18% 2.59% 1.58% 3 48 49 51 46 27

7 7 7 959 64 48 59 1018 484 457 387 336 198

Vanguard Short-Term Federal Fund 120, 125, 142, 143, 15, 83, 99

3/31/95 VSGDX GOV 0.1 Short Government 1.24% 0.92% 2.81% 1.24% 4 0 21 17 11 6

6 5 7 87 13 14 7 1018 106 105 95 83 66

Low Quality Short Term Fixed Income

Eaton Vance High Income Opportuni-ties Fund 165, 95, 99

11/7/16 ETHIX EVH 0.4 High Yield Bond 12.56% 7.61% 6.26% 12.56% 4 14 3 1 7 26

- - - -63 10 38 63 811 666 605 484 415 263

Floating Rate Income Fund 105, 142,

143, 83

11/4/11 JFIHX FRI 0.26 Bank Loan 10.88% 4.16% 0.00% 10.88% 3 68 77 53 40 NS- - - -

27 65 0 27 811 229 190 124 101 33

John Hancock Short Duration Credit Opportunities Fund 142, 143, 150, 83

11/6/15 JSDEX JSD 0.31 Long-Short Credit 6.66% 3.53% 0.00% 6.66% 2 55 54 NS NS NS

- - - 559 0 0 59 811 251 232 180 143 79

• Payden/Kravitz Cash Balance Plan Fund 108, 109 142, 143, 166, 83, 99

5/4/12 PKBIX PKC 0.75 Multisector Bond 2.69% 1.98% 0.00% 2.69% 1 77 72 82 86 NS

6 6 6 694 96 0 94 216 251 232 180 143 79

Strategic Income Opportunities Fund 101, 13, 15, 22, 39, 48, 8, 91, 99

5/14/04 JESNX SIM 0.25 Multisector Bond 5.12% 5.54% 6.62% 5.12% 5 18 NS NS NS NS

8 8 8 878 21 5 78 216 614 516 376 230 79



5 6 7





2016Q2

2016Q3

2016Q4

2016

Global Short Term Fixed Income

• Templeton Global Bond Fund 87, 99

11/5/10 TPINX TGB 0.39 World Bond 6.22% 4.11% 6.54% 6.22% 4 0 48 23 20 127 5 7 7

17 13 2 17 533 335 315 239 190 100

High Quality Intermediate Term Fixed Income

Active Bond Fund 10,

13, 162, 69, 73, 99 7/30/99 JIADX DVB 0.18 Intermediate- Term Bond 3.90% 3.81% 5.26% 3.90% 4 0 12 7 9 NS

9 9 9 1029 9 10 29 856 962 916 783 680 443

Core Bond Fund 106,

13, 53, 73 5/6/05 JICDX COR 0.19 Intermediate- Term Bond 2.51% 2.51% 4.72% 2.51% 4 37 18 20 18 NS

10 10 10 1067 55 26 67 856 962 916 783 680 443

• Lord Abbett Core Fixed Income Fund 165, 95

11/7/16 LCRSX LAC 0.26 Intermediate- Term Bond 2.68% 2.27% 4.51% 2.68% 3 47 42 NS NS NS

- - - -60 0 0 60 856 962 916 783 680 443

• Total Bond Market Fund 110, 13, 162, 22, 24,

6, 72, 91

5/5/06 JTBMX BIF 0.06 Intermediate- Term Bond 2.39% 2.00% 4.28% 2.39% 3 21 NS NS NS NS

10 10 10 1071 0 0 71 3716 2319 1931 1502 1072 443

U.S. Government Securities Fund 154,

37, 61, 65

7/25/08 RGVEX AGS 0.27 Intermediate Government 0.76% 1.19% 3.55% 0.76% 3 43 28 35 40 29

- 7 6 662 49 52 62 856 277 266 250 216 154

Medium Quality Intermediate Term Fixed Income

• Federated Total Return Bond Fund 165, 95, 99

11/7/16 FTRBX FTR 0.28 Intermediate- Term Bond 4.96% 3.12% 4.86% 4.96% 4 0 14 26 28 20

- - - -11 27 20 11 856 962 916 783 680 443

Fidelity Advisor Total Bond Fund 138,

147, 99

5/8/15 FEPIX FBF 0.25 Intermediate- Term Bond 5.71% 3.21% 4.82% 5.71% 4 0 12 9 8 15

10 9 10 105 23 22 5 856 962 916 783 680 443



5 6 7





2016Q2

2016Q3

2016Q4

2016

Investment Quality Bond Fund 13, 73, 99

7/30/99 JIQBX IQB 0.18 Intermediate- Term Bond 4.07% 2.76% 4.52% 4.07% 3 37 45 52 52 NS

9 10 10 1025 44 37 25 856 962 916 783 680 443

• John Hancock Bond Fund

13, 165, 95, 99

11/7/16 JHBSX JHB 0.17 Intermediate- Term Bond 4.97% 4.92% 5.99% 4.97% 5 0 7 4 3 NS

- - - -11 1 0 11 856 962 916 783 680 443

• JPMorgan Core Bond Fund 138, 99 5/8/15 PGBOX JPB 0.25 Intermediate-

Term Bond 2.10% 2.07% 4.44% 2.10% 3 64 47 44 33 209 9 10 10

80 73 40 80 856 962 916 783 680 443

• Prudential Total Return Bond Fund 165, 95, 99

11/7/16 PDBZX PTR 0.26 Intermediate- Term Bond 4.82% 4.07% 5.90% 4.82% 5 19 26 22 17 17

- - - -13 5 2 13 856 962 916 783 680 443

• Western Asset Core Plus Bond Fund 165, 95, 99

11/7/16 WACPX WAC 0.3 Intermediate- Term Bond 5.87% 4.38% 5.63% 5.87% 5 19 18 16 12 25

- - - -4 3 4 4 856 962 916 783 680 443

Low Quality Intermediate Term Fixed Income

• Federated Insti-tutional High Yield Bond Fund 87, 88

11/5/10 FIHBX FHY 0.45 High Yield Bond 15.09% 7.45% 7.49% 15.09% 5 27 5 2 3 710 10 10 10

26 12 4 26 811 666 605 484 415 263

High Yield Fund 115,

13, 45, 54, 69, 73 10/2/97 JIHDX HYF 0.27 High Yield Bond 17.53% 6.62% 6.39% 17.53% 3 43 67 40 26 NS7 7 7 5

4 33 31 4 811 666 605 484 415 263

T. Rowe Price Spectrum Income Fund 99

2/15/94 RPSIX INC 0.54 Multisector Bond 8.18% 4.56% 5.14% 8.18% 3 0 0 19 32 30

9 9 9 939 43 47 39 216 251 232 180 143 79

U.S. High Yield Bond Fund 13, 41, 43,

53, 73

5/6/05 JIHLX USH 0.33 High Yield Bond 14.71% 6.21% 6.53% 14.71% 4 47 46 53 56 NS9 9 9 9

32 52 27 32 811 666 605 484 415 263



5 6 7





2016Q2

2016Q3

2016Q4

2016

Global Intermediate Term Fixed Income

AB Global Bond Fund 165, 95

11/7/16 ANAYX ABG 0.35 World Bond 5.77% 3.78% 5.41% 5.77% 4 0 1 4 3 NS- - - -

23 17 0 23 533 335 315 239 190 100

Capital World Bond Fund 37, 61, 55

7/25/08 RCWFX CWB 0.54 World Bond 2.64% 1.10% 3.47% 2.64% 3 51 13 20 17 1610 9 10 10

59 54 50 59 533 335 315 239 190 100

Oppenheimer International Bond Fund 56, 7

5/2/08 OIBYX OIB 0.52 World Bond 6.40% 2.01% 4.40% 6.40% 3 0 31 39 34 225 5 8 8

15 35 29 15 533 335 315 239 190 100

PIMCO Global Bond Fund 34, 55

9/6/02 PADMX PFB 0.57 World Bond 4.00% 0.73% 4.48% 4.00% 3 35 28 39 32 308 8 8 9

45 64 27 45 533 335 315 239 190 100

High Quality Long Term Fixed Income

DFA Inflation- Protected Securities Fund 87

11/5/10 DIPSX INP 0.12 Inflation- Protected Bond 4.67% 0.82% 4.55% 4.67% 5 11 12 11 8 NS

9 9 9 738 19 4 38 191 224 218 165 126 52

• PIMCO Long Du-ration Total Return Fund 165, 95

11/7/16 PLRIX PLD 0.5 Long-Term Bond 7.18% 4.43% 7.72% 7.18% 4 58 50 36 40 NS

- - - -27 53 1 27 191 21 20 16 11 4

Medium Quality Long Term Fixed Income

PIMCO Real Return Fund124, 38, 99

5/2/03 PRTNX PRR 0.58 Inflation- Protected Bond 4.62% 0.57% 4.16% 4.62% 4 51 54 46 39 34

7 7 9 1039 37 20 39 191 224 218 165 126 52

• Real Return Bond Fund 13, 38, 73, 99 5/2/03 JIRRX RRB 0.3 Inflation-

Protected Bond 4.85% 0.59% 4.26% 4.85% 4 38 49 51 51 NS7 7 10 10

31 34 12 31 191 224 218 165 126 52



5 6 7





2016Q2

2016Q3

2016Q4

2016

Global Long Term Fixed Income

Global Bond Fund 13, 73, 99

7/30/99 JIGDX GLB 0.33 World Bond 3.46% 0.75% 4.11% 3.46% 3 44 30 39 32 NS8 8 8 9

51 63 37 51 533 335 315 239 190 100

MFS Emerging Markets Debt Fund 113, 99

11/2/12 MEDFX MEM 0.6 Emerging Markets Bond 9.28% 4.70% 6.18% 9.28% 3 15 6 4 7 NS

- - - -67 43 0 67 533 250 180 117 79 34



Footnotes:

Please call 1-877-346-8378 to obtain Fund Sheets for the group annuity investment option sub-accounts and to obtain prospectuses for the sub-accounts’ underly-ing funds, that are available on request. The prospec-tuses for the sub-accounts’ underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing.

Funds refers to sub-accounts investing in underlying funds, offered to qualified retirement plans through a group annuity contract. There can be no assurance that either an Investment Option or the underlying fund will achieve their investment objectives. A sub-account is subject to the same risks as the underlying funds in which it invests that include investment risks and possible loss of the principal amount invested. Sub-account investment options are not insured by the FDIC, the Federal Reserve Board or any agency. For a more complete description of these risks, please review the underlying fund’s prospectus, which is available upon request.

1Date sub-account or Guaranteed Interest Account first available under group annuity contract. Sub-account class introduction dates: The Signature Menu was introduced December 8, 2014. If the sub-account inception date is after December 8, 2014, then the Signature Menu introduction date is the same as the sub-account inception date. Class 1 = sub-account Inception Date; Class 6 = April 27, 1999; Classes 4, 5, 7 = February 23, 2007; Classes 2, 3, 8, 9 = May 23, 2008. If a sub-account inception date occurs after any of these dates then the class introduction date for that sub-account is the later of sub-account inception date and the class introduction date. A “class” or the Cost of Class of Funds selected by the contract (formerly known as “Sales and Service Fee” or “SSF”), represents the charge for compensation provided to your financial representatives for services provided to the plan.

2The ticker symbols shown are for the underlying funds in which sub-ac-counts are invested. The ticker symbols do not directly apply to the John Hancock sub-account and therefore any public information accessed using these symbols will not reflect the unit value of the subaccount, nor will such information reflect charges at the sub-account level or charges under your plan’s group annuity contract such as contract-level charges under your plan’s group annuity contract.

3This material shows expenses for a specific unit class for investment op-tions available under a John Hancock group annuity contract. The Expense Ratio (“ER”) shown represents the total annual operating expenses for the investment options made available by John Hancock. It is made up of John Hancock’s (i) “Revenue from Sub-account”, and (ii) the expenses of the under-lying fund (based on expense ratios reported in the most recent prospectuses available as of the date of printing; “FER”). In the case where an underlying fund has either waived a portion of, or capped, its fees, the FER used to deter-mine the ER of the sub-account that invests in the underlying fund is the net

expense ratio of the underlying fund. “Underlying fund” or “fund” refers to the underlying mutual fund, collective trust, or exchanged traded fund (“ETF”) in which the investment option invests. The FER is determined by the underlying fund and is subject to fluctuation. Any change in the FER of an underlying fund will affect the Expense Ratio of the investment option which invests in the underlying fund. The ER applies daily at a rate equivalent to the annual rate shown, and may vary to reflect changes in the expenses of an underlying fund and other factors. For Expense Ratio information current as of the most recent quarter end, please refer to the monthly “Return and Fees” listing available from John Hancock upon request. For more information, please contact your financial representative.

4Morningstar assigns categories by placing funds into peer groups based on their underlying holdings. The underlying securities in each portfolio are the primary factor Morningstar uses as the investment objective and investment strategy stated in a fund’s prospectus may not be sufficiently detailed for our proprietary classification methodology. Funds are placed in a category based on their portfolio statistics and compositions over the past three years. Analysis of performance and other indicative facts are also considered. If the fund is new and has no portfolio history, Morningstar estimates where it will fall before giving it a permanent category assignment. Categories may be changed based on recent changes to the portfolio.

5Using a scale of 1 to 100, the chart shows how the selected investment op-tions rank relative to all underlying funds in the indicated category, based on 1, 5 and 10 year returns. The number of funds in the Morningstar category for each period is also shown. The total return of some funds may have ben-efited from expense waiver or expense reimbursement provisions that were in effect during the ranking periods. Some of these provisions may have had a material effect on total return. You can find information on these provisions in fund prospectuses and annual and semi-annual reports.

6The fi360 Fiduciary Score® is a peer percentile ranking of an underlying fund against a set of quantitative due diligence criteria selected to reflect prudent fiduciary management. The fi360 Fiduciary Score should not be used as the sole source of information in an investment decision. Visit www.fi360.com/fi360-Fiduciary-Score for the complete methodology document. fi360 Fiduciary Score®: 0 No fiduciary due diligence shortfalls. fi360 Fiduciary Score®: 1–25 The investment may be an appropriate choice for use in a fiduciary account.

fi360 Fiduciary Score®: 26–50 The investment has noteworthy shortfalls. It may not be an appropriate choice if being considered in a search. Howev-er, if already in use, the investment may not need to be replaced if mitigating circumstances are present. fi360 Fiduciary Score®: 51–75 The investment has considerable short-falls. It may not be an appropriate choice if being considered in a search. However, if already in use, the investment may not need to be replaced pending further investigation or if the Score improves in subsequent time periods.

fi360 Fiduciary Score®: 76–100 The investment has significant shortfalls and may not be appropriate for use in a fiduciary account. Strongly consider replacing the investment if already in use.

7The Retirement Plan Advisory Group™ (RPAG™) Scorecard Sys-tem™ is a proprietary institutionally based investment scoring system that incorporates both quantitative and qualitative factors. The Scorecard score is based on 10 screens, which include style analysis, risk/return factors, peer group rankings, and certain qualitative factors. The Scorecard System is built around pass/fail criteria, on a scale of 0 to 10 (with 10 being the best). RPAG uses separate methodologies to assess active, passive, and asset allocation strategies. Active and asset allocation strategies are evaluated over a five-year time period, and passive strategies are evaluated over a three-year time period. The RPAG Score is calculated on a quarterly basis. The Score is 80% quantitative and 20% qualitative. Combined, these factors are one way of measuring the relative performance, characteristics, behavior, and overall appropriateness of a fund for inclusion into a plan as an investment option.

Endnotes:

Morningstar Portfolio Rankings: All Morningstar data is © 2017 by Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

*The Overall Morningstar Star Rating™ for the underlying fund is de-rived from a weighted average of the performance figures associated with its three-, five- and 10-year (if applicable) Morningstar Rating™ metrics. . The rating formula most heavily weights the three year rating, using the following calculation: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. Past performance does not guarantee future results.

For each underlying fund with at least a three-year history, Morningstar calculates a Morningstar Rating™ based on a Morningstar Risk-Adjusted Return measure that accounts for variation in the underlying fund’s monthly performance, placing more emphasis on downward variations and rewarding consistent performance. Exchange traded funds and open-ended mutual funds are considered a single population for comparative purposes. Funds with scores in the top 10% of each category receive 5 stars (highest); the next 22.5%, 4 stars (above average); the next 35%, 3 stars (average); the next 22.5%, 2 stars (below average); and the bottom 10%, 1 star (lowest). Morningstar ratings are applicable to the underlying only and reflect histor-ical risk-adjusted performance as of the most recent calendar quarter-end. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely.



BlackRock Basic Value : As of 01/31/17 the Fund was rated 2 stars out of 1095 funds, 3 stars out of 937 funds and 3 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Dodge & Cox Stock Fund : As of 01/31/17 the Fund was rated 4 stars out of 1095 funds, 5 stars out of 937 funds and 3 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Equity Income Fund : As of 01/31/17 the Fund was rated 2 stars out of 1095 funds, 2 stars out of 937 funds and 3 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fundamental Large Cap Value : As of 01/31/17 the Fund was rated 2 stars out of 1095 funds, 3 stars out of 937 funds and 2 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

John Hancock Disciplined Value : As of 01/31/17 the Fund was rated 2 stars out of 1095 funds, 4 stars out of 937 funds and 4 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Equity Inc : As of 01/31/17 the Fund was rated 2 stars out of 1095 funds, 3 stars out of 937 funds and 3 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Value Index Fund : As of 01/31/17 the Fund was rated 5 stars out of 1095 funds, 5 stars out of 937 funds and 3 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Washington Mutual Investors : As of 01/31/17 the Fund was rated 4 stars out of 1095 funds, 4 stars out of 937 funds and 4 stars out of 681 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Domini Social Equity : As of 01/31/17 the Fund was rated 2 stars out of 1395 funds, 2 stars out of 1233 funds and 2 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fidelity Adv Diversified Stock : As of 01/31/17 the Fund was rated 3 stars out of 1395 funds, 3 stars out of 1233 funds and 3 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Franklin Mutual Beacon Fund : As of 01/31/17 the Fund was rated 5 stars out of 1395 funds, 5 stars out of 1233 funds and 3 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fundamental Investors : As of 01/31/17 the Fund was rated 5 stars out of 1395 funds, 5 stars out of 1233 funds and 4 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Sit Dividend Growth Fund : As of 01/31/17 the Fund was rated 3 stars out of 1395 funds, 3 stars out of 1233 funds and 5 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

U.S. Growth Fund : As of 01/31/17 the Fund was rated 2 stars out of 1395 funds, 2 stars out of 1233 funds and 3 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Victory Diversified Stock : As of 01/31/17 the Fund was rated 1 stars out of 1395 funds, 2 stars out of 1233 funds and 2 stars out of 924 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Blue Chip Growth Fund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 5 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Capital Appreciation Fund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 3 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

ClearBridge Aggressive Growth : As of 01/31/17 the Fund was rat-ed 2 stars out of 2569 funds, 4 stars out of 2270 funds and 3 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fidelity Adv New Insights : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 3 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fidelity ContraFund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 4 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JPMorgan Large Cap Growth : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 2 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Massachusetts Investors Fund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 3 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Growth Index Fund : As of 01/31/17 the Fund was rated 4 stars out of 2569 funds, 4 stars out of 2270 funds and 4 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Diamond Hill Small-Mid Cap : As of 01/31/17 the Fund was rated 4 stars out of 717 funds, 4 stars out of 637 funds and 5 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Harbor Mid Cap Value Fund : As of 01/31/17 the Fund was rated 4 stars out of 717 funds, 5 stars out of 637 funds and 3 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JPMorgan MidCap Value Fund : As of 01/31/17 the Fund was rated 5 stars out of 717 funds, 5 stars out of 637 funds and 5 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Mid Value Fund : As of 01/31/17 the Fund was rated 4 stars out of 717 funds, 4 stars out of 637 funds and 5 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Value Fund : As of 01/31/17 the Fund was rated 2 stars out of 717 funds, 2 stars out of 637 funds and 3 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Mid-Cap Value ETF : As of 01/31/17 the Fund was rated 4 stars out of 717 funds, 4 stars out of 637 funds and 4 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

WisdomTree MC Dividend ETF : As of 01/31/17 the Fund was rated 5 stars out of 717 funds, 5 stars out of 637 funds and 4 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.



Aston/Fairpointe Mid Cap Fund : As of 01/31/17 the Fund was rated 2 stars out of 717 funds, 3 stars out of 637 funds and 4 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fidelity Adv Leveraged Co Stk : As of 01/31/17 the Fund was rated 1 stars out of 717 funds, 2 stars out of 637 funds and 1 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JPMorgan Intrepid Mid Cap : As of 01/31/17 the Fund was rated 3 stars out of 717 funds, 4 stars out of 637 funds and 3 stars out of 426 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

WisdomTree MC Earnings ETF : As of 01/31/17 the Fund was rated 3 stars out of 717 funds and 4 stars out of 637 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

American Century Heritage : As of 01/31/17 the Fund was rated 3 stars out of 585 funds, 3 stars out of 503 funds and 4 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Baird MidCap Fund : As of 01/31/17 the Fund was rated 2 stars out of 585 funds, 2 stars out of 503 funds and 4 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Franklin Small-Mid Growth : As of 01/31/17 the Fund was rated 3 stars out of 585 funds, 3 stars out of 503 funds and 3 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Mid Cap Stock Fund : As of 01/31/17 the Fund was rated 3 stars out of 585 funds, 3 stars out of 503 funds and 3 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Pru Jennison Mid Growth Fund : As of 01/31/17 the Fund was rated 3 stars out of 585 funds, 3 stars out of 503 funds and 4 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Mid-Cap Growth ETF : As of 01/31/17 the Fund was rated 4 stars out of 585 funds, 4 stars out of 503 funds and 3 stars out of 371 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

DFA US Targeted Value Fund : As of 01/31/17 the Fund was rated 3 stars out of 352 funds, 4 stars out of 313 funds and 3 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Northern Small Cap Value Fund : As of 01/31/17 the Fund was rated 4 stars out of 352 funds, 4 stars out of 313 funds and 4 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Royce Opportunity : As of 01/31/17 the Fund was rated 2 stars out of 352 funds, 2 stars out of 313 funds and 2 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Undiscovered Mgr Behavioral : As of 01/31/17 the Fund was rated 5 stars out of 352 funds, 5 stars out of 313 funds and 4 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Small Cap Value Index : As of 01/31/17 the Fund was rated 5 stars out of 352 funds, 5 stars out of 313 funds and 4 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

WisdomTree SC Dividend ETF : As of 01/31/17 the Fund was rated 4 stars out of 352 funds, 4 stars out of 313 funds and 3 stars out of 199 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

DFA U.S. Small Cap Fund : As of 01/31/17 the Fund was rated 4 stars out of 625 funds, 4 stars out of 536 funds and 4 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Keeley Small Cap Value : As of 01/31/17 the Fund was rated 1 stars out of 625 funds, 2 stars out of 536 funds and 1 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

New Opportunities Fund : As of 01/31/17 the Fund was rated 2 stars out of 625 funds, 3 stars out of 536 funds and 2 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Small Cap Value Fund : As of 01/31/17 the Fund was rated 4 stars out of 625 funds, 3 stars out of 536 funds and 4 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Small Company Value Fund : As of 01/31/17 the Fund was rated 4 stars out of 625 funds, 3 stars out of 536 funds and 4 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Sml Cap Val : As of 01/31/17 the Fund was rated 3 stars out of 625 funds, 3 stars out of 536 funds and 4 stars out of 366 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Invesco Small Cap Growth : As of 01/31/17 the Fund was rated 4 stars out of 1224 funds, 4 stars out of 1067 funds and 4 stars out of 753 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Royce Pennsylvania Mutual Fund : As of 01/31/17 the Fund was rated 2 stars out of 1224 funds, 2 stars out of 1067 funds and 3 stars out of 753 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Small Cap Growth Fund : As of 01/31/17 the Fund was rated 2 stars out of 1224 funds, 2 stars out of 1067 funds and 2 stars out of 753 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Explorer Fund : As of 01/31/17 the Fund was rated 3 stars out of 1224 funds, 4 stars out of 1067 funds and 3 stars out of 753 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Small Cap Grow Index : As of 01/31/17 the Fund was rated 3 stars out of 1224 funds, 3 stars out of 1067 funds and 4 stars out of 753 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

All Cap Core Fund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 3 stars out of 2270 funds and 2 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Fundamental All Cap Core Fund : As of 01/31/17 the Fund was rated 3 stars out of 2569 funds, 4 stars out of 2270 funds and 2 stars out of 1628 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

DFA Emerging Markets Value : As of 01/31/17 the Fund was rated 3 stars out of 1783 funds, 2 stars out of 1362 funds and 3 stars out of 707 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.



DFA International Value : As of 01/31/17 the Fund was rated 3 stars out of 1783 funds, 3 stars out of 1362 funds and 2 stars out of 707 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

International Value Fund : As of 01/31/17 the Fund was rated 3 stars out of 1783 funds, 3 stars out of 1362 funds and 4 stars out of 707 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

iShares MSCI EAFE Value ETF : As of 01/31/17 the Fund was rated 3 stars out of 1783 funds, 3 stars out of 1362 funds and 3 stars out of 707 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Templeton World : As of 01/31/17 the Fund was rated 2 stars out of 1783 funds, 3 stars out of 1362 funds and 3 stars out of 707 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Aberdeen International Equity : As of 01/31/17 the Fund was rated 2 stars out of 2056 funds, 1 stars out of 1635 funds and 3 stars out of 878 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Northern EM Equity Index Fund : As of 01/31/17 the Fund was rated 3 stars out of 2056 funds, 3 stars out of 1635 funds and 3 stars out of 878 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Capital World Growth & Income : As of 01/31/17 the Fund was rated 3 stars out of 2056 funds, 4 stars out of 1635 funds and 4 stars out of 878 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Mutual Global Discovery : As of 01/31/17 the Fund was rated 4 stars out of 2056 funds, 4 stars out of 1635 funds and 5 stars out of 878 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Tot Wld Stk Index ETF : As of 01/31/17 the Fund was rated 4 stars out of 2056 funds and 3 stars out of 1635 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

New World Fund : As of 01/31/17 the Fund was rated 4 stars out of 1781 funds, 5 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

EuroPacific Growth Fund : As of 01/31/17 the Fund was rated 4 stars out of 1781 funds, 4 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Invesco International Growth : As of 01/31/17 the Fund was rated 4 stars out of 1781 funds, 3 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

iShares MSCI EAFE Growth ETF : As of 01/31/17 the Fund was rated 3 stars out of 1781 funds, 3 stars out of 1377 funds and 3 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

John Hancock Intl Growth : As of 01/31/17 the Fund was rated 5 stars out of 1781 funds, 5 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

New Perspective Fund : As of 01/31/17 the Fund was rated 4 stars out of 1781 funds, 4 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Oppenheimer Global : As of 01/31/17 the Fund was rated 3 stars out of 1781 funds, 4 stars out of 1377 funds and 3 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Oppenheimer Intl Growth Fund : As of 01/31/17 the Fund was rated 3 stars out of 1781 funds, 4 stars out of 1377 funds and 5 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

SMALLCAP World Fund : As of 01/31/17 the Fund was rated 3 stars out of 1781 funds, 4 stars out of 1377 funds and 4 stars out of 737 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

BlackRock Global Allocation : As of 01/31/17 the Fund was rated 3 stars out of 396 funds, 3 stars out of 323 funds and 4 stars out of 152 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

FT Founding Funds Allocation : As of 01/31/17 the Fund was rated 3 stars out of 352 funds, 4 stars out of 293 funds and 2 stars out of 219 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Ivy Asset Strategy Fund : As of 01/31/17 the Fund was rated 1 stars out of 396 funds, 2 stars out of 323 funds and 3 stars out of 152 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Pax World Balanced Fund : As of 01/31/17 the Fund was rated 4 stars out of 722 funds, 3 stars out of 616 funds and 2 stars out of 429 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

PIMCO All Asset All Authority : As of 01/31/17 the Fund was rated 2 stars out of 250 funds, 2 stars out of 169 funds and 4 stars out of 66 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

PIMCO All Asset : As of 01/31/17 the Fund was rated 3 stars out of 250 funds, 3 stars out of 169 funds and 4 stars out of 66 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Income Fund of America : As of 01/31/17 the Fund was rated 5 stars out of 352 funds, 4 stars out of 293 funds and 5 stars out of 219 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Alternative Asset Allocation : As of 01/31/17 the Fund was rated 3 stars out of 237 funds and 3 stars out of 142 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

SELECT AA Growth : As of 01/31/17 the Fund was rated 1 stars out of 2029 funds, 2 stars out of 1738 funds and 1 stars out of 1185 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

SELECT AA Balanced : As of 01/31/17 the Fund was rated 2 stars out of 2029 funds, 2 stars out of 1738 funds and 2 stars out of 1185 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

SELECT AA Moderate : As of 01/31/17 the Fund was rated 3 stars out of 2029 funds, 3 stars out of 1738 funds and 3 stars out of 1185 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

SELECT AA Conservative : As of 01/31/17 the Fund was rated 4 stars out of 2029 funds, 4 stars out of 1738 funds and 4 stars out of 1185 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.



Intl Equity Index Fund : As of 01/31/17 the Fund was rated 3 stars out of 3716 funds, 2 stars out of 3264 funds and 3 stars out of 2277 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Small Cap Index Fund : As of 01/31/17 the Fund was rated 3 stars out of 3716 funds, 3 stars out of 3264 funds and 3 stars out of 2277 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Mid Cap Index Fund : As of 01/31/17 the Fund was rated 4 stars out of 3716 funds, 4 stars out of 3264 funds and 4 stars out of 2277 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Total Stock Market Index Fund : As of 01/31/17 the Fund was rated 3 stars out of 3716 funds, 3 stars out of 3264 funds and 3 stars out of 2277 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Total Bond Market Fund : As of 01/31/17 the Fund was rated 3 stars out of 3716 funds, 2 stars out of 3264 funds and 3 stars out of 2277 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Financial Industries Fund : As of 01/31/17 the Fund was rated 3 stars out of 1147 funds, 2 stars out of 1014 funds and 4 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

iShares Gold Trust ETF : As of 01/31/17 the Fund was rated 5 stars out of 1147 funds for the 3-year period. Refer to the rating criteria for more information.

Natural Resources Fund : As of 01/31/17 the Fund was rated 2 stars out of 1147 funds, 2 stars out of 1014 funds and 2 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

PIMCO Commodity Real Return : As of 01/31/17 the Fund was rated 2 stars out of 1147 funds, 2 stars out of 1014 funds and 3 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Real Est. Securities Fund : As of 01/31/17 the Fund was rated 3 stars out of 1147 funds, 3 stars out of 1014 funds and 3 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Science & Technology Fund : As of 01/31/17 the Fund was rated 3 stars out of 1147 funds, 3 stars out of 1014 funds and 4 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Sci & Tech : As of 01/31/17 the Fund was rated 4 stars out of 1147 funds, 3 stars out of 1014 funds and 3 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Tocqueville Gold Fund : As of 01/31/17 the Fund was rated 3 stars out of 1147 funds, 4 stars out of 1014 funds and 4 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Energy Fund : As of 01/31/17 the Fund was rated 4 stars out of 1147 funds, 4 stars out of 1014 funds and 4 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Utilities Fund : As of 01/31/17 the Fund was rated 2 stars out of 1147 funds, 2 stars out of 1014 funds and 3 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Short Term Bond : As of 01/31/17 the Fund was rated 3 stars out of 1018 funds, 2 stars out of 903 funds and 3 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Vanguard Short-Term Federal : As of 01/31/17 the Fund was rated 5 stars out of 1018 funds, 4 stars out of 903 funds and 4 stars out of 693 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Active Bond Fund : As of 01/31/17 the Fund was rated 4 stars out of 856 funds, 5 stars out of 750 funds and 4 stars out of 541 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Core Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 856 funds, 3 stars out of 750 funds and 4 stars out of 541 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Investment Qual Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 856 funds, 3 stars out of 750 funds and 3 stars out of 541 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

DFA Inflation-Protected Sec : As of 01/31/17 the Fund was rated 4 stars out of 191 funds, 4 stars out of 165 funds and 5 stars out of 109 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

PIMCO Real Return : As of 01/31/17 the Fund was rated 3 stars out of 191 funds, 3 stars out of 165 funds and 4 stars out of 109 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Real Return Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 191 funds, 3 stars out of 165 funds and 4 stars out of 109 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Payden/Kravitz Cash Balance : As of 01/31/17 the Fund was rated 2 stars out of 216 funds and 1 stars out of 178 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

Strategic Income Opp Fund : As of 01/31/17 the Fund was rated 4 stars out of 216 funds, 4 stars out of 178 funds and 5 stars out of 93 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Spectrum Inc : As of 01/31/17 the Fund was rated 4 stars out of 216 funds, 3 stars out of 178 funds and 3 stars out of 93 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Federated High Yield Bond : As of 01/31/17 the Fund was rated 5 stars out of 811 funds, 4 stars out of 635 funds and 5 stars out of 320 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Floating Rate Income Fund : As of 01/31/17 the Fund was rated 3 stars out of 811 funds and 3 stars out of 635 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

High Yield Fund : As of 01/31/17 the Fund was rated 2 stars out of 811 funds, 3 stars out of 635 funds and 3 stars out of 320 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

U.S. High Yield Bond Fund : As of 01/31/17 the Fund was rated 4 stars out of 811 funds, 3 stars out of 635 funds and 4 stars out of 320 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.



MFS Emerging Markets Debt : As of 01/31/17 the Fund was rated 3 stars out of 533 funds, 3 stars out of 358 funds and 3 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Capital World Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 533 funds, 3 stars out of 358 funds and 3 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Global Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 533 funds, 3 stars out of 358 funds and 3 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Oppenheimer Intl Bond : As of 01/31/17 the Fund was rated 4 stars out of 533 funds, 3 stars out of 358 funds and 3 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

PIMCO Global Bond : As of 01/31/17 the Fund was rated 3 stars out of 533 funds, 3 stars out of 358 funds and 4 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

Templeton Global Bond Fund : As of 01/31/17 the Fund was rated 3 stars out of 533 funds, 4 stars out of 358 funds and 5 stars out of 178 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

American Century 2055 : As of 01/31/17 the Fund was rated 5 stars out of 122 funds and 4 stars out of 86 funds for the 3- and 5-year peri-ods, respectively. Refer to the rating criteria for more information.

American Century 2050 : As of 01/31/17 the Fund was rated 5 stars out of 169 funds and 4 stars out of 129 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

American Century 2045 : As of 01/31/17 the Fund was rated 4 stars out of 150 funds, 4 stars out of 109 funds and 5 stars out of 33 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.





American Century In Retirement : As of 01/31/17 the Fund was rated 5 stars out of 133 funds, 5 stars out of 113 funds and 4 stars out of 63 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH Thru 2050 Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 169 funds and 3 stars out of 129 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

JH Thru 2045 Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 150 funds, 4 stars out of 109 funds and 3 stars out of 33 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.








JH Thru 2050 Managed Port : As of 01/31/17 the Fund was rated 5 stars out of 169 funds for the 3-year period. Refer to the rating criteria for more information.







JH Ret To 2050 Managed Port : As of 01/31/17 the Fund was rated 4 stars out of 169 funds and 3 stars out of 129 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.









JH Ret Income Managed Port : As of 01/31/17 the Fund was rated 2 stars out of 133 funds and 2 stars out of 113 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Retirement 2055 : As of 01/31/17 the Fund was rated 4 stars out of 122 funds and 5 stars out of 86 funds for the 3- and 5-year periods, respectively. Refer to the rating criteria for more information.

T. Rowe Price Retirement 2045 : As of 01/31/17 the Fund was rated 4 stars out of 150 funds, 5 stars out of 109 funds and 4 stars out of 33 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.







JH LS Agg Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 139 funds, 3 stars out of 125 funds and 3 stars out of 102 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Grow Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 352 funds, 3 stars out of 293 funds and 3 stars out of 219 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Bal Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 722 funds, 3 stars out of 616 funds and 3 stars out of 429 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Mod Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 417 funds, 4 stars out of 361 funds and 4 stars out of 241 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Con Active Strategy : As of 01/31/17 the Fund was rated 3 stars out of 168 funds, 4 stars out of 145 funds and 5 stars out of 86 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Agg Managed Portfolio : As of 01/31/17 the Fund was rated 4 stars out of 139 funds for the 3-year period. Refer to the rating criteria for more information.

JH LS Grow Managed Portfolio : As of 01/31/17 the Fund was rated 4 stars out of 352 funds for the 3-year period. Refer to the rating crite-ria for more information.

JH LS Mod Managed Portfolio : As of 01/31/17 the Fund was rated 4 stars out of 417 funds for the 3-year period. Refer to the rating criteria for more information.

JH LS Con Managed Portfolio : As of 01/31/17 the Fund was rated 4 stars out of 168 funds for the 3-year period. Refer to the rating criteria for more information.

JH LS Agg Managed Volatility : As of 01/31/17 the Fund was rated 1 stars out of 352 funds, 1 stars out of 293 funds and 1 stars out of 219 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Grow Managed Volatility : As of 01/31/17 the Fund was rated 1 stars out of 722 funds, 2 stars out of 616 funds and 1 stars out of 429 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Bal Managed Volatility : As of 01/31/17 the Fund was rated 2 stars out of 722 funds, 2 stars out of 616 funds and 2 stars out of 429 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Mod Managed Volatility : As of 01/31/17 the Fund was rated 3 stars out of 417 funds, 3 stars out of 361 funds and 3 stars out of 241 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

JH LS Con Managed Volatility : As of 01/31/17 the Fund was rated 4 stars out of 168 funds, 4 stars out of 145 funds and 4 stars out of 86 funds for the 3-, 5- and 10-year periods, respectively. Refer to the rating criteria for more information.

1This sub-account was introduced November 6, 2009.

2This sub-account was introduced May 7, 2010.



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 its former name. The name of this sub-account changed effective on or about May 5, 2008 to more accurately reflect the name of the underlying fund.

6The name of this sub-account changed effective on or about May 5, 2008.


8The underlying fund changed its name effective on or about May 10, 2010. Performance shown for periods prior to that date reflect the results under its former name. The name of this sub-account changed effective on or about May 10, 2010 to more accurately reflect the name of the underlying fund.

9Account balance reported may include assets transferred from an-other Fund, which was permanently closed on or about April 30, 2007.



Contact your John Hancock representative for more information.

10The underlying fund changed its sub-advisor on December 15, 2010 from Declaration Management & Research LLC/MFC Global Investment Management (U.S.A.) Limited to Declaration Management & Research LLC/John Hancock Asset Management, a division of Manulife Asset Management (North America) Limited.

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

13The total revenue John Hancock receives on this Fund is higher than those advised or sub-advised exclusively by unaffiliated entities. John Hancock and its affiliates provide exclusive advisory and sub-advisory services for the underlying fund. For these services, John Hancock and its affiliates receive additional 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 that invests in more market sectors.

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

16The underlying fund’s manager or subadviser changed its name from DFA & Invesco AIM to DFA & Invesco Advisers, Inc. on or about May 10, 2010. Contact your John Hancock representative for more information.

17This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective May 5, 2003. Performance shown for periods prior to that date is based on the performance of the current underlying portfolio.

18The underlying fund’s manager or subadviser changed its name from In-vesco AIM Capital Management to Invesco Advisers, Inc. on or about May 10, 2010. Contact your John Hancock representative for more information.

19This sub-account previously invested in a different share class of the same underlying portfolio. It began investing in the current share class effective on or about May 7, 2007. Performance shown for periods prior to that date is based on the performance of the current share class.

20The manager for the underlying fund and its objectives changed effective on or about November 30, 2006. Performance shown for peri-ods prior to that date reflect the results under its former manager.

21This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective May

17, 2004. Performance shown for periods prior to that date is based on the performance 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 its former name.

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

24Effective on or about November 5, 2007, the underlying fund changed its name to the John Hancock Trust - Total Bond Market Trust.

25This sub-account was recently introduced on November 5, 2007 and may not be available in all states. Contact your John Hancock repre-sentative to determine if this sub-account is available to your plan.

26Not available to defined benefit plans. Consult your John Hancock representative for details.

27The underlying fund’s manager or subadviser changed its name from John Hancock Life Insurance Company to John Hancock Life Insurance Company (U.S.A.) on or about May 10, 2010. Contact your John Han-cock representative for more information.

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

30This sub-account previously invested in a different underlying port-folio. It began investing in the current underlying portfolio effective November 25, 2002. Performance shown for periods prior to that date is based on the performance of the current underlying portfolio.

31Account balance reported may include assets transferred from an-other Fund, which was permanently closed on or about April 27, 2009. Contact your John Hancock representative for more information.

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


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

35Although the Guaranteed Income feature provides a guaranteed income base as well as guaranteed minimum withdrawal benefits, the Guaranteed Income feature investment options are variable invest-

ments and may lose value. Asset allocation portfolios are ‘’fund of funds’’ which invests in a number of underlying funds. For a complete description of the risks associated with the Fund, please review the underlying fund’s prospectus, which is available upon request. Diver-sification does not assure against loss. Note: There is an additional fee to invest in this feature. The fee information can be found on the form used to select this feature.

36This sub-account previously invested in a different share class of the same underlying portfolio. It began investing in the current share class effective on or about May 10, 2010. Performance shown for periods pri-or to that date is based on the performance of the current share class.

37This sub-account was introduced July 25, 2008.



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

41Account balance reported may include assets transferred from anoth-er Fund, 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 No-vember 9, 2009 to more accurately reflect the name of the underlying fund. Contact your 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 within a thirty-day period. The ‘’First-In/First-Out’’ (‘’FIFO’’) method was used to determine whether the shares have been held for the prescribed holding period and, therefore, whether the redemption fee will be applied.

44The underlying fund’s manager or subadviser changed its name from AIM Investments, Inc. to Invesco AIM Capital Management on or about November 10, 2008. Contact your John Hancock representative for more information.

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



46The name of this sub-account changed effective on or about August 2, 2010.

47Account balance reported may include assets transferred from anoth-er sub-account which was permanently closed between April 22, 2005 and May 7, 2005.

48Account balance reported may include assets transferred from anoth-er Fund, which was permanently closed on or about October 25, 2010. Please contact your John Hancock representative for more information.

49The underlying fund added Invesco AIM Capital Management as a co-sub-adviser on or about November 10, 2008. Contact your John Hancock representative for more information.

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

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

52John Hancock Stable Value Fund: Qualified retirement plans that select the John Hancock Stable Value Fund as an eligible investment option under the group annuity contract are restricted from selecting any fixed-income investment options for the plan deemed to be ‘Com-peting’, including (i) any book value fixed income Fund, (ii) any other fixed income Fund with a targeted average duration of three (3) years or less, including but not limited to, a money market Fund or a short-term bond Fund, or (iii) any guaranteed interest account (other than a ten (10) year maturity guaranteed interest account maintained by an affiliate of John Hancock Life Insurance Company (U.S.A.) originally offered prior to May 1, 2006). Contact your John Hancock representa-tive for details.

An investment in the John Hancock Stable Value Fund is not an insured deposit, nor an obligation of, nor guaranteed by, John Hancock USA, the Fund’s Trustee or its Advisor, The Federal Deposit Insurance Cor-poration (FDIC) or any government agency, and is subject to certain market risks. However, through its Stabilizing Agreements with one or more Stability Providers, the Fund is designed to meet Department of Labor requirements for ‘grandfathered’ default contributions under 29 CFR 2550.404c-5(e)(4)(v). Although the portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment if both the Fund’s investment portfolio and the Stability Provider(s) fail. Neither John Hancock USA nor the Trustee guarantees the performance of the Stability Provid-er(s). Investments in the Fund will accrue interest at the applicable monthly crediting rate, which rate will be set based upon a formula

but may be adjusted from time to time as agreed upon by the Stability Provider(s) and John Hancock Life Insurance Company (U.S.A.). The actual market value of the underlying assets may, at times, be greater than or less than the book value of the Fund. Any difference between the market value and book value will be taken into consideration when setting future crediting rates.

The FER for the underlying fund includes an advisory fee payable to John Hancock Life Insurance Company (U.S.A.) for services provided to the Trustee, as well as a management fee to John Hancock USA and/or its affiliates in connection with the management of one of the underly-ing investments. For further details on these fees and certain risks that may apply please refer to the Offering Memorandum. Contact your John Hancock representative if you wish to obtain a copy. Effective January 10, 2011, the John Hancock Stable Value Fund is not available to Puerto Rico plans described in Section 1022(i)(1) of ERISA or to Group or Master Trusts that include assets of such plans.

Units of the Fund have not been registered under the Securities Act of 1933, as amended, or under the securities laws of any other jurisdic-tion; and the Fund is not registered under the Investment Company Act of 1940, as amended, or other applicable law, and participants are not entitled to the protections of such Act. The John Hancock Stable Value Fund invests a portion of its assets in a separate investment account maintained by John Hancock Life & Health Insurance Company (‘’John Hancock Life & Health’’), an affiliate of John Hancock USA, which has claimed an exclusion from the definition of the term ‘’Com-modity Pool Operator’’ under CFTC Regulation 4.5 under the Com-modity Exchange Act with respect to its operation of such separate account and, therefore, John Hancock Life & Health is not subject to registration or regulation as a pool operator under Regulation 4.5 for such separate account.

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

54Account balance reported may include assets transferred from anoth-er Fund, which was permanently closed on or about April 18, 2011. Please contact your John Hancock representative for more information.

55This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective on or about May 7, 2005. Performance shown for periods prior to that date is based on the performance of the current underlying portfolio.

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


58The underlying fund changed its sub-advisor on May 9, 2011 from Deutsche Asset Management, Inc. to QS Investors, LLC.

59Important Redemption Fee Information: T. Rowe Price Small Cap Val-ue Fund - Effective January 1, 2005, the underlying fund will impose a 1% redemption fee on all selling/exchanges of the fund within a 90-day period. The ‘First-In/First-Out’ (‘FIFO’) method will be used to deter-mine whether the shares have been held for the prescribed holding period and, therefore, whether the redemption fee will be applied.


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

63The underlying fund share class was recently renamed on June 1, 2009. There was no impact to the share class pricing or any material impact to the underlying fund as a result of this renaming.


65This sub-account previously invested in a different share class of the same underlying portfolio. It began investing in the current share class effective on or about June 1, 2009. Performance shown for periods pri-or to that date is based on the performance of the current share class.

67The underlying fund changed its name effective on or about Novem-ber 8, 2010. Performance shown for periods prior to that date reflect the results under its former name. The name of this sub-account changed effective on or about November 8, 2010 to more accurately reflect the name of the underlying fund.

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 under the sub-adviser’s former name.



70The underlying fund changed its sub-adviser effective August 1, 2005. Performance shown for periods prior to that date reflect the results under the former sub-adviser.

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

72This sub-account was introduced on or about May 5, 2006.

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

74The name of this sub-account changed effective on or about May 6, 2006 to more accurately reflect the name of the underlying fund. Con-tact your John Hancock representative for more information.

75The underlying fund changed its sub-advisor on June 1, 2009 from Munder Capital Management and Invesco AIM Capital Management to Dimensional Fund Advisors, Inc. (DFA) and Invesco AIM Capital Management.

76None of the Index Funds or the underlying John Hancock Trust Index Trusts or ETFs are sponsored, endorsed, managed, advised, sold or promoted by any of the respective companies that sponsor the broad-based securities market index, and none of these companies make any representation regarding the advisability of investing in the Index Fund.

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

79This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective on or about November 6, 2006.

80This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective April 30, 2001. Performance shown for periods prior to that date is based on the performance of the current underlying portfolio.

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


83This investment option is deemed a ‘’Competing’’ investment option with the John Hancock Stable Value Fund and may not be available. An

investment in this portfolio is not insured or guaranteed by The Federal Deposit Insurance Corporation or any other government agency. Although the underlying portfolio seeks to preserve the value of an investment, it is possible to lose money by investing in this portfolio.



88Important Redemption Fee Information: Federated Institutional High Yield Bond Fund - Effective November 5, 2010, the underlying fund will impose a 2% redemption fee on all selling/exchanges of the fund within a 90-day period. The “First-In/First-Out” (“FIFO”) method will be used to determine whether the shares have been held for the prescribed holding period and, therefore, whether the redemption fee will be applied.

89This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective on or about May 6, 2006. Performance shown for periods prior to that date is based on the performance of the current underlying portfolio.


91The underlying John Hancock Variable Insurance Trust portfolio is not a retail mutual fund and is only available under variable annuity contracts, variable life policies or through participation in tax qualified retirement plans. Although the portfolios’ investment adviser or sub-advisers may manage retail mutual funds with similar names and investment objectives, no representation is made, and no assurance is given, that any portfolio’s investment results will be comparable to the investment results of any other fund, 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. Per-formance shown for periods prior to that date reflect the results under the former sub-adviser.

95The availability of products, Funds and contract features may be subject to Broker-Dealer Firm approval, State approval, Broker Li-censing requirements, tax law requirements, or other contract-related requirements. From time to time, changes are made to Funds, and the availability of these changes may be subject to State approvals or other compliance requirements. Please confirm with your local John

Hancock Representative if you have any questions about product, Fund or contract feature availability.

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



99While viewing this report online, click on the name of the sub-account for additional details about the changes. If you have questions, contact your local John Hancock representative.

101The underlying fund changed its sub-advisor on December 15, 2010 from MFC Global Investment Management (U.S.A.) Limited to John Hancock Asset Management, a division of Manulife Asset Management (North America) Limited.

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


104The underlying fund’s manager changed its name from Optimum Investment Advisors, LLC to Fairpointe Captial, LLC. on or about November 7, 2011. Contact your John Hancock representative for more information.


106Account balance reported may include assets transferred from an-other Fund, which was permanently closed on or about April 23, 2012. Please contact your John Hancock representative for more information.

107This sub-account previously invested in a different underlying fund. It began investing in the current underlying fund effective May 4, 2012. Performance shown for periods prior to that date is based on the per-formance of the current underlying fund. The name of this sub-account



changed effective on or about May 4, 2012 to more accurately reflect the name of the underlying fund.


109The Fund is designed as an investment vehicle for cash balance pen-sion plans. The Fund seeks to earn a total return, net of the fund’s fees and expenses, that is equivalent to the interest crediting rate estab-lished by the Internal Revenue Service for cash balance pension plans using the 30-year Treasury Bond Yield 12-Month Daily average. The Fund seeks to earn this rate each calendar year. There is no guarantee that any investment strategy will achieve its objectives.

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


112The underlying fund changed its sub-advisor on November 2, 2012 from Wellington Management Company, LLP to Wellington Manage-ment Company, LLP/RS Investments.


114If John Hancock has been provided with your date of birth and no investment instructions at the time of enrollment, then, on the date of your enrollment, you will be default enrolled into a Target Date (Life-cycle Portfolio) based on your year of birth and a retirement age of 67, and subject to the Target Date then in existence.


117Account balance reported may include assets transferred from another Fund, which was permanently closed on or about October 21, 2013. Please contact your John Hancock representative for more information.


119The underlying fund expense ratio shown includes an annualized charge of 0.06% accrued daily, and deducted monthly out of the unit-ized version of the underlying fund provided by and traded through the trading platform of an unaffiliated third party.


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



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


127During periods of extreme market volatility, the Portfolio’s economic exposure to equity or fixed-income securities could be reduced to 0% and its economic exposure to cash and cash equivalents could increase to 100%.

128The indicated separate account is operated by John Hancock Life Insurance Company (U.S.A.), which has claimed an exclusion from the definition of the term ‘Commodity Pool Operator’ under the Commodity Exchange Act and, therefore, is not subject to registration or regula-tion as a pool operator under such Act.


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

131The sub-adviser or manager changed its name on or about Novem-ber 8, 2014. Performance shown for periods prior to that date reflect the results under the sub-adviser’s former name.

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

133The underlying fund changed its name effective on or about Novem-ber 8, 2014. Performance shown for periods prior to that date reflect the results under its former name.


135Managed Volatility Strategy (MVS) seeks to reduce the volatility in a portfolio’s performance and limit the magnitude of portfolio losses through the use of adjustment to the asset allocation mix as directed by current market conditions. The MVS may employ certain risk man-agement techniques and may reallocate assets between the underlying Equity and Fixed-Income Funds as it could potentially re-allocate the portfolio to 100% cash/cash equivalent in extreme circumstances. If achieved, this goal can smooth out the performance of the fund, which may produce ‘lower highs and higher lows’.

The use of the MVS in Guaranteed Income for Life Select, may limit the growth of your account’s market value in certain market conditions, which could result in a lower Benefit Base and reduce your future guaranteed minimum withdrawal payments. The value of the ‘step-up’ benefit is dependent on the market value of your investment in Guar-anteed Income for Life Select at the time the Lifetime Income Amount (LIA) is set.

The benefit base provided by the guarantee feature is paid for by the participant and already provides protection against potential market losses. The similarities between the guarantee feature and MVS (eg. Protection against market losses) may offer little to no benefit to par-ticipants in certain market scenarios.

The selection of any Fund that utilizes these strategies in addition to income protection provided by Guaranteed Income for Life Select should be consistent with individual investment objectives and may not be appropriate for everyone.

The Fund Sheets and the prospectus of the underlying fund contains more complete information, such as investment objectives, risks, charges, expenses, limitations and restrictions. For further details regarding this Fund and Guaranteed Income for Life Select, speak to your financial representative.




137This sub-account previously invested in a different share class of the same underlying portfolio. It began investing in the current share class effective on or about May 8, 2015. Performance shown for periods prior to that date is based on the performance of the old share class.

138This sub-account was recently introduced on May 8, 2015 and may not be available in all states. Contact your John Hancock representa-tive to determine if this sub-account is available to your plan.

139The returns of the sub-account may differ from the returns of the ETF in which the sub-account invests (referred to as ‘tracking error’). Tracking error results from certain fees and transaction expenses incurred by the sub-account, from differences between the timing of purchases and redemptions of sub-account shares and corresponding transactions in the shares of the underlying ETF, and from the fact that the sub-account holds a small amount of cash (less than 1% of the value of the sub-account) in addition to shares of the ETF.

140Important Redemption Fee Information: Lazard International Equity Fund - Effective May 11, 2015, the underlying fund will impose a 1% redemption fee on all selling/exchanges of the fund within a thirty-day period. The ‘First-In/First-Out’ (‘FIFO’) method was used to determine whether the shares have been held for the prescribed holding period and, therefore, whether the redemption fee will be applied.

141Important Redemption Fee Information: T. Rowe Price Overseas Stock Fund - Effective May 11, 2015, the underlying fund will impose a 2% redemption fee on all selling/exchanges of the fund within a ninety-day period. The ‘First-In/First-Out’ (‘FIFO’) method was used to determine whether the shares have been held for the prescribed hold-ing period and, therefore, whether the redemption fee will be applied.

142This investment option is deemed a ‘Competing’ investment option with the Reliance Trust New York Life Anchor Account and may not be available if the Reliance Trust New York Life Anchor Account is se-lected. For further details, 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 with the Federated Capital Preservation Fund and may not be available if the Federated Capital Preservation Fund is selected. For further details, please refer to the Offering Circular and Declaration of Trust. Contact your John Hancock representative if you wish to obtain a copy.

144Federated Capital Preservation Fund: Qualified retirement plans that select the Federated Capital Preservation Fund as an eligible in-vestment option under the group annuity contract are restricted from selecting any investment option for the plan deemed to be ‘Compet-ing’, including (i) a stable value fund, (ii) a money market fund, (iii) any other fund that, either directly or indirectly through investments in another fund, maintains: (A) at least 80% of its assets in fixed income securities; and (B) an average effective duration of three years or less; or (iv) an option within a self-directed brokerage account (‘SDBA’) investment option of the type described in items (i), (ii) or (iii) above. Contact your John Hancock representative for details.

An investment in the Federated Capital Preservation Fund is not an insured deposit, nor an obligation of, nor guaranteed by, John Hancock, Federated Investors Trust Company, or Federated Investment Coun-seling, The Federal Deposit Insurance Corporation (FDIC) or any gov-ernment agency, and is subject to certain market risks. Although the portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment. The actual market value of the underlying assets may, at times, be greater than or less than the book value of the Fund. Any difference between the market value and book value will be taken into consideration when setting future crediting rates.

For further details on this fund and certain risks that may apply please refer to the Offering Circular and Declaration of Trust. Contact your John Hancock representative to obtain a copy.

Units of the Fund have not been registered under the Securities Act of 1933, as amended, or under the securities laws of any other jurisdic-tion; and the Fund is not registered under the Investment Company Act of 1940, as amended, or other applicable law, and participants are not entitled to the protections of such Act.

145Reliance Trust New York Life Anchor Account: Qualified retirement plans that select the Reliance Trust New York Life Anchor Account as an eligible investment option under the group annuity contract are restricted from selecting any investment options for the plan deemed to be ‘Competing’, including (i) a fixed income fund with a targeted average duration of three (3) years or less, including without limitation, a money market fund, other stable value fund or bond fund, (ii) any investment fund that is reported to participants on a valuation basis comparable to that for the Group Trust, (iii) a balanced, lifestyle, target-date or other similar type of asset allocation fund if the fund contains a fund of the type described in the preceding item (i) or (ii) that exceeds 70% of that fund, (iv) a guaranteed investment contract issued by a different issuer or (v) self-directed brokerage account

option containing one or more competing investment options. Contact your John Hancock representative for details.

The Reliance Trust New York Life Anchor Account is a collective invest-ment trust maintained by Reliance Trust Company that invests 100% of its assets in an insurance company separate account maintained by New York Life Insurance Company. An investment in the Reliance Trust New York Life Anchor Account is not an insured deposit, nor an obliga-tion of, nor guaranteed by John Hancock, Reliance Trust Company, The Federal Deposit Insurance Corporation (FDIC) or any government agen-cy, and is subject to certain market risks. However, the fund is designed to meet Department of Labor requirements for ‘grandfathered’ default contributions under 29 CFR 2550.404c-5(e)(4)(v). Although the portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment. Investments in the fund will accrue interest at the applicable monthly crediting rate, which will be set based upon a formula but may be adjusted from time to time as agreed upon by Reliance Trust Company and New York Life Insurance Company. The actual market value of the underlying assets may, at times, be greater than or less than the book value of the fund. Any difference between the market value and book value will be taken into consideration when setting future crediting rates.

For further details on the fund expense ratio and certain risks that may apply please refer to the Offering Statement and Declaration of Trust. Contact your John Hancock representative if you wish to obtain a copy.




149The sub-account and underlying fund changed its name effective on or about November 7, 2015. Performance shown for periods prior to that date reflect the results under its former name.




151This sub-account was recently introduced on March 25, 2016 and may not be available in all states. Contact your John Hancock repre-sentative to determine if this sub-account is available to your plan.



154This sub-account previously invested in a different share class of the same underlying portfolio. It began investing in the current share class effective on or about June 11, 2016. Performance shown for periods pri-or to that date is based on the performance of the current share class.

155The underlying fund changed its name and objectives effective on or about June 11, 2016. Performance shown for periods prior to that date reflect the results under its former name. The name of this sub-ac-count changed effective on or about June 11, 2016 to more accurately reflect the name of the underlying fund.

157This sub-account was recently introduced on June 11, 2016 and may not be available in all states. Contact your John Hancock representa-tive to determine if this sub-account is available to your plan.

158Effective April 6, 2016, the underlying holdings of the Money Market Fund were modified in order to comply with the definition of a Gov-ernment money market fund as set out by the SEC. That ruling takes effect October 14, 2016.

159This sub-account previously invested in a different underlying portfo-lio. It began investing in the current underlying portfolio effective on or about November 4, 2016. Performance shown for periods prior to that date is based on the performance of the previous underlying portfolio.


161The underlying fund changed its sub-advisor on November 4, 2016 from Grantham, Mayo, Van Otterloo & Co. LLC (GMO) to Wellington Management Company, LLP. In addition, the underlying fund changed its name and objectives. Performance shown for periods prior to that date reflect the results under its former name.

162The underlying fund changed its sub-advisor on November 4, 2016 from Declaration Management & Research LLC/John Hancock Asset Management to John Hancock Management.

163The name of this sub-account changed effective on or about November 4, 2016.


166This investment option is deemed a ‘Competing’ investment option with the Reliance MetLife Stable Value Fund and may not be available if the Reliance MetLife Stable Value Fund is selected. For further details, please refer to the Offering Circular and Declaration of Trust. Contact your John Hancock representative if you wish to obtain a copy.

167Reliance MetLife Stable Value Fund: Qualified retirement plans that select the Reliance MetLife Stable Value Fund as an eligible investment option under the group annuity contract are restricted from select-ing any investment options for the plan deemed to be ‘Competing’, including (i) a fixed income fund with a targeted average duration of three (3) years or less, including without limitation, a money market fund, other stable value fund or bond fund, (ii) a self-directed broker-age account, (iii) any investment fund that is reported to participants on a valuation basis comparable to that for the Group Trust, or (iv) a balanced, lifestyle, target-date or other similar type of asset allocation fund if the fund contains a fund of the type described in the preceding item (i), (ii), or (iii) that exceeds 70% of that fund. Contact your John Hancock representative for details.

The Reliance MetLife Stable Value Fund is a collective investment trust maintained by Reliance Trust Company that invests 100% of its assets in insurance company separate accounts maintained by Metropolitan Life Insurance Company. An investment in the Reliance MetLife Stable Value Fund is not an insured deposit, nor an obligation of, nor guaran-teed by John Hancock, Reliance Trust Company, The Federal Deposit Insurance Corporation (FDIC) or any government agency, and is subject to certain market risks. However, the fund is designed to meet Department of Labor requirements for ‘grandfathered’ default contri-butions under 29 CFR 2550.404c-5(e)(4)(v). Although the portfolio will seek to maintain a stable value, there is a risk that it will not be able to do so, and participants may lose their investment. Investments in the fund will accrue interest at the applicable monthly crediting rate, which will be set based upon a formula but may be adjusted from time to time as agreed upon by Reliance Trust Company and Metropolitan Life Insurance Company. The actual market value of the underlying assets may, at times, be greater than or less than the book value of the fund.

Any difference between the market value and book value will be taken into consideration when setting future crediting rates.

For further details on the fund expense ratio and certain risks that may apply please refer to the Offering Memorandum and Declaration of Trust. Contact your John Hancock representative if you wish to obtain a copy.


Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York). John Hancock Life Insurance Company (U.S.A.) makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, John Hancock Life Insurance Company (U.S.A.) does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.

NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED

© 2017 All rights reserved.

GT-I32339 03/17-32815 GA030217355477

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