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Come and Expand Your Knowledge of International Employee Benefits!

IGP International Employee Benefits Seminar May 18 & 19, 2011 Radisson Blu Royal Hotel, Brussels, Belgium

The world economy has undergone dramatic changes, and there is a renewed interest in multinational pooling and captive reinsurance as a means of reducing the cost of providing employee benefits. Over the course of two days, you can participate in training workshops on pooling, reporting, captives, country panel sessions, and topical special interest sessions with key note guest speakers.

Why Should You Attend?

→ Meet, learn and network with your peers - by exchanging information and experiences.

→ Meet, learn and network in the most cost-efficient way - one central location in Europe, short travel times and a limited time span of just two days.

→ Meet, learn and network with the IGP Partners - to find out about employee benefits, both globally and country-specific.

What Can You Expect?

→ A moving opening session, not to be missed!

→ Interesting and informative speakers

→ Six country panel sessions of your choice

→ A selection of topical special interest sessions

→ IGP training workshop sessions, highly valued within the industry

→ “Belgium By Night”, an exceptional experience in a unique location in Brussels

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Also in this issue...05| Norway: Economic Outlook 2011 Pension Reform Storebrand Livsforsikring AS

08| France: Impact of Pension Reform on Death & Disability Benefits

09| IGP Subsidiary Sales Visits

10| IGP Staff News

11| List of IGP Network Partners

13| IGP Contact Info

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Knowledgeable Guest Speakers:

Fadi Ashkar joined AVIVA in 2007 as Head of Corporate Solutions. Fadi established the corporate channel in AVIVA and was responsible for creating new products, starting a new sales team and establishing

relationships in the market.

Iain Collins joined Towers Watson in 2005 and is a Senior Consultant based in Dubai. He has worked in the Dubai office for 3 years and has been involved in developing Towers Watson’s HR, benefits and

investment consulting practice in the region. Apart from delivering on benefits projects for a number of multinationals in the region, he has also been active in producing research on end-of-service gratuities and retirement plans in the Middle East.

Sarah Moise, Global Insured and Medical Benefits Manager, joined Schlumberger in 1997. Initially working as Global Compensation and Benefits Manager for one of the SLB businesses, Sarah has been responsible, for the past

five years, for managing local benefits across 80 countries in which the company operates. She added the international benefit plans to her scope in 2010.

Eric Pieper is an independent Project and Program Manager and focuses on large scale change programs within the banking and insurance sector. In 2007, he implemented the Markets in Financial Instruments

Directive (MiFiD) for a large Dutch Asset Manager. Immediately after completing the MiFiD program, Eric became involved in the Solvency II program

of a large international insurance company in the Netherlands. In December 2009, he started the new Solvency II implementation program at ASR, IGP’s Network Partner in The Netherlands.

Karel van Hulle is Head of Unit at the European Commission in the Directorate-General Internal Market and Services. His main responsibility is the preparation of a new solvency regime for insurance and reinsurance

companies (Solvency II). He represents the European Commission within the Committee of European Insurance and Pensions Supervisors (CEIOPS) and within the Technical Committee of the International Association of Insurance Supervisors (IAIS).

Stijn Vanoppen is Executive Director with EMEIA Financial Services, Ernst & Young Tax Consultants and has 12 years of relevant experience in taxes. Stijn is a specialist in banking, insurance, asset management

tax matters, as well as in tax aspects of financial instruments, insurance products and investment funds.

An Attractive Seminar Program:

→ A captivating opening session: “The Passion to Perform”: In an animated and moving presentation, Dixie Dansercoer will share with the IGP delegates his passion for excellence, experiences of adversity and the

importance of motivation, using spectacular video footage. Dixie has a long history of adventures and explorations, including traversing from Siberia to Greenland on skis, the Bering Strait Odyssey, as well as crossing the entire South Pole on foot.

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Together with polar travel, Dixie’s ascents of Mont Blanc, Mount Kenya, Mount Fuji and Mount Everest have fundamentally changed his philosophy and general attitude towards life. Dixie Dansercoer embodies the values IGP strives for every day.

→ A series of six country panel sessions of your choice offer comprehensive information on specific employee benefits issues, including legislative updates and trends, benchmarking and typical plan design. We are pleased to offer the following panels for your selection: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Russia, Slovenia, Spain, Sweden, Switzerland, UK, USA and Third Country Nationals.

→ Choose two of the following topical Special Interest Sessions:

• SolvencyII anditsimpactontheEuropeaninsuranceandcaptiveindustry: A guest speaker from the European Commission (Karel van Hulle) and the insurance business (Eric Pieper) will elaborate on the potential effects of Solvency II on your employee benefits.

• ClaimsPrevention&Management,andConsequentCostSavings:Guest speaker Sarah Moise explains how helping employees establish and maintain healthy lifestyles has significant benefits to both the individual and the organization. Healthy employees have lower health care costs, fewer workers’ compensation claims and reduced absenteeism.

• EmployeeBenefitsintheMiddleEast: An introduction by Fadi Ashkar, followed by a presentation on how employee benefits plans are handled in the region by Iain Collins of Towers Watson.

• TaxationofInternationalPoolingDividends:How do multinational corporations account for their international pooling dividends? What about taxation? What else do you need to take into account? Learn from your peers and Stijn Vanoppen, a tax expert from Ernst & Young, and evaluate the results of the December 2010 IGP survey.

→ Three optional IGP training workshop sessions of your choice: Make sure to attend our training sessions if you or one of your colleagues would like to extend your knowledge of pooling or captive reinsurance, how you can review your IGP International Experience Reports or how you can

further develop your international account.

Program Schedule

Wednesday, May 18, 2011

07:30 - 09:30 Seminar Registration09:30 - 12:15 Optional IGP Workshop Sessions12:30 - 14:00 Opening Lunch14:00 - 15:00 Plenary Opening Session15:15 - 16:15 Country Panel 1 of your choice16:30 - 17:30 Country Panel 2 of your choice18:30 - 23:00 “Belgium By Night”

Thursday, May 19, 2011

08:30 - 09:30 Special Interest Session 109:45 - 10:45 Country Panel 3 of your choice11:00 - 12:00 Country Panel 4 of your choice12:00 - 13:15 Lunch13:15 - 14:15 Country Panel 5 of your choice14:30 - 15:30 Country Panel 6 of your choice15:45 - 16:45 Special Interest Session 216:45 - 17:00 Official Closure

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Registration and Payment Facilities

Registration:

Registration for both the seminar and hotel accommodation is available via www.igpseminar.com.

Conference Fee:

EUR 500

This fee also covers an invitation to Wednesday evening’s off-site event, “Belgium By Night”, the two luncheons and all refreshment breaks.

EARLY BIRD DISCOUNT: Book by March 18, 2011 and save 10%!

BRING A COLLEAGUE and save up to 25%!

Payment Facilities

→ Via wire transfer → Via credit card, upon check-in at the hotel → Via your IGP International Dividend!

COME & JOIN US IN BRUSSELS!

REGISTER NOW VIA WWW.IGPSEMINAR.COM!

“Providesagreatoverviewofcertainbenefitswithincountries,greatnetworking...”

“Ilearnedalotandnetworkedwithalotofhigh-levelprofessionals...“

“It isnoteverydaythatyoucanaskexpertsfromvariouscountriesallofyourquestionsconcerningstatepensionsormedicalbenefitsinthespanoftwodays.Itwaswonderfultoleavewithmyquestionsansweredandwithnewcontactsfromallovertheworld.“

“Excellenttrainingandknowledge...”

“IGPSeminarsareoneofthebest-organizedprofessionalmeetingswhereyounotonlygetupdatedonthemostrecentdevelopmentsinthefield,butalsohavetheopportunitytonetworkwithpeersto

bounceideasaround.Definitelyworthattending!”

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Economic Outlook for Norway

The Norwegian economy features a combination of free market activity and government intervention. The government controls key areas, such as the vital petroleum sector, through large-scale State-majority-owned enterprises. The country is richly endowed with natural resources — petroleum, hydropower, fish, forests, and minerals — and is highly dependent on the petroleum sector, which accounts for nearly half of exports and over 30% of State revenue.

The global financial crisis hit Norway less severely than many other EU countries. The recession was shallower than elsewhere, and consumer demand picked up again relatively early. By Norwegian standards, there has been a significant rise in the unemployment rate, though it is not expected to exceed 4%.

DemographicInformation

• Total population 4,908,100 • Population change 0.334%• Life expectancy at birth, male (years) 78.5 • Life expectancy at birth, female (years) 83.0• Persons employed part-time 20.3%• Unemployment rate 2.7%

Health&SafetyInformation

• Public expenditure on health (% of GDP) 7.5%• Private expenditure on health (% of GDP) 1.4%• Public expenditure on pension (% of GDP) 4.6%• Private expenditure on pension (% of GDP) 2.0%

EconomicIndicators

• GDP per capita USD 58,717• Real GDP growth rate 2.1%• General government debt (% of GDP) 47.7% • Total tax revenue (% of GDP) 42.1%• HICP - annual average inflation rate 2.4%

Source:Eurostat/OECD/CIAWorldFactbook

Strong growth in life and pension premiums within the Nordic market

Demographics, regulatory changes and a sound macro environment have triggered strong growth in the whole Nordic region with a growth rate of 9% in Norway. Due to increased life expectancy, the elderly population is growing, which will further increase the need for pension savings. It is expected that public pensions will account for up to 15% of GDP in the Nordic countries by 2050.

Source:FinansnæringensFellsorganisasjon(NO),Försäkringsförbundet(SE),Pensionsmyndigheten(SE),FinansbranchensCentralförbund(FI),Finanstilsynet(DK),NorgesBank(NO)

Unit-linked based products represent the new generation of pensions and savings products, and have only been on the market for a relatively short period of time. Volumes are still limited at the moment but are growing substantially. Customers often buy risk coverage linked to the products.

Country News

Country Profile on Norway

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The government’s aim is to increase flexibility in pensions as well as to encourage people to work longer. The new legislation covers the National Insurance pensions, agreement-based early retirement pensions (AFP) and occupational pensions.

The most important change to the National Insurance Scheme’s retirement pension is the implementation of a new earnings model that moves away from the “best years” rule and introduces an “every year’s earnings” rule: the calculations for State pensions will now also be based on the entire working career, rather than the best 20 years or final salary, as was previously the case.

The ability to draw a pension flexibly from the age of 62 and full freedom to combine work and a pension without reductions are also being introduced; i.e., entitlement to pension will start at age 62, but can be postponed until age 75. Norwegians will therefore have the opportunity to draw a pension, while at the same time continuing to work and accruing pension assets.

Flexible withdrawal of pensions has been introduced for occupational pension schemes based on the same principles and at the same time as in the National Insurance Scheme – as of January 1, 2011.

The Norwegian Banking Law Commission is currently working on more extensive changes to the occupational pension product regulation and the introduction of new products that are adapted to the new National Insurance Scheme. The Banking Law Commission is expected to present its proposals in the summer of 2011.

Key issues are:

• Adapting regulation of defined benefit schemes to the new National Insurance Scheme

• Increased maximum limits of pension contributions in defined contribution schemes

• New occupational pension products, so-called hybrids

Hybrids will represent products that, among other things, combine elements of today’s defined contribution and defined benefit schemes. In a hybrid product, the employee will accrue an annual pension benefit as a percentage of his/her annual salary. The employer will pay a premium for this cover, without the further risk of having to make extra payments retroactively or as a result of future wage growth.

For companies with a defined benefit pension that are considering converting to a defined contribution pension, such hybrid products may be an attractive alternative. This provides employees with a more predictable future pension compared to the defined contribution schemes, while at the same time, the company’s costs are more predictable than with the current defined benefit arrangements.

Country News

Norwegian pension reform per January 1, 2011: Flexible pensions for employees, few changes for corporations

Storebrand Livsforsikring AS: Facts & Figures

• NOK 15.5 bln in premiums• NOK 200 bln in customer reserves• 24,000 corporate customers• Market share of 30% DC and 43% DB• Number 1 in the most recent client satisfaction

survey for the 7th consecutive year• Improved profitability and administration

results in the last 2 years

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Storebrand’s vision is to be the leading and most respected Nordic partner in long-term savings and insurance. For Storebrand Livsforsikring AS, this means that the company aims to be Norway’s most respected, customer-oriented life insurance company.

Such a position can only be attained and maintained by providing the best quality advice, customer service, and product range in the market. Storebrand Livsforsikring AS has an advantage in Norway in that the Storebrand Group is the only major player in the market with long-term savings and life insurance as its primary business areas.

Over the last five years, Storebrand has grown from being a provider of traditional products to actively growing the share of fee-based and capital-efficient products. In 2010, unit-linked premiums accounted for half of Storebrand’s premium income.

Products offered

• Defined benefit - Only available product until 2001 - About 25% of contracts still open for new employees

• Defined contribution - Mandatory occupational pension since 2006 - Increasing number of clients that change from DB to DC

• Lump sums - Group Life - Death, Disability

• Health insurance - Fast-growing market

Why should a Norwegian subsidiary do business with Storebrand?

• Dedicated pension provider - Complete product range and market leader in product development

- Low administrative costs and asset management fees

- Tailor-made first-class client service - First-class investment returns for both DB & DC-plans

- Thorough underwriting secures competitive risk premiums

• Cutting-edge administrative solutions - Highly efficient web portal handling all transactions and instant access to all relevant information

- Direct link to payroll - Extensive net portal for employees - Client-friendly billing routines (electronic billing)

“Storebrand’svisionistobetheleadingandmostrespectedinstitutionintheNordicmarketforlong-termsavings

andinsurance.”

For more information

If you want to learn more about employee benefits plans in Norway or what solutions Storebrand can offer to your local subsidiary, please contact your IGP Account Manager or:

Mr. Pål AndresenStorebrand Livsforsikring AST +47 22 315-443E pal.andresen@storebrand.noW www.storebrand.no

Storebrand Livsforsikring AS: Cost leadership, customer satisfaction and risk management

Country News

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Country News

On October 27, 2010, France's parliament granted final approval of a bill raising the minimum retirement age progressively from 60 to 62, and the age for full benefits from 65 to 67. This reform will have a huge impact on death and disability benefits, as disability coverage will also be extended for a period of two years.

Why does the pension reform have an impact on disability coverage?

The reform covers the gradual increase of the minimum retirement age from age 60 to 62, on which the retirement age of disabled persons is based.

The change will be progressive. Why are we already impacted in 2010?

The reform does not only affect new disability cases, but also the existing ones. As a result, all commitments are automatically extended (by two years for a large majority). For example, a disabled person born in 1960 will now leave the plan in 2022 instead of in 2020. Accounting regulations stipulate that this modification is to be included in the benefits providers’ accounts as of 2010.

What is the amount of additional funding that is needed?

As the modification needs to be included in the benefits providers’ accounts as of 2010, it is estimated that this reform will represent an additional charge of approximately EUR 4 billion in total to the 2010 accounts.

What happens to future claims?

For future claims, it is expected that the coverage conditions will be severely scrutinised and reinforced, as the insureds (in case of incapacity or disability) would receive benefits for an two additional years.

This means that premium rates will need to be increased – it is expected that rates will rise by around 15% solely due to the increase of the retirement age.

Can the funding be spread?

The level of premium increase for future and incurred claims would be extremely high if they all needed to be accounted for on January 1, 2011. The legislation therefore provides the possibility of spreading the increase in reserves over a period of six years, keeping the rate increases to a minimum. The expected 15% increase takes into account this measure.

Conclusion?

This reform is not only introduced during difficult economic times, but also during a disturbing financial and regulatory period:

• The technical rate for mathematical reserves has decreased from 2.75% (12/31/2009) to 2.25% (12/31/2010), which adds an additional burden to the mathematical reserves that are already set at a minimum level of 4%.

• A new regulation allows disabled persons (first category) to continue working beyond normal retirement age, whereas they were obliged to stop working in the past, thus being paid by the insurer for a longer time. As a result, death and disability benefits providers will need to cover these people for a longer period of time.

• Social security benefits have been decreased by approximately 1.4% (1/365th of annual remuneration instead of 1/360th), which means an increase of the provisions offered by the death and disability benefits providers.

For more information

If you want to learn more about employee benefitsplans in France or what solutions AXA can offer to your local subsidiary, please contact your IGPAccount Manager or:

Ms. Elvira ScherrerAXA EntreprisesT + 33 1 57 65 02 31 E elvira.scherrer@axa.frW www.axa.com

France: Impact of the pension reform on death and disability benefitsQ&A

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Schedule of IGP Subsidiary Visits An opportunity to have an IGP representative meet with your local subsidiary

IGP Subsidiary Visits

IGP devotes many resources to meeting with your local subsidiaries to inform them about how IGP works and the possible advantages to the subsidiary of IGP participation.

While these meetings enable us to gather information about your operations’ current employee benefits plans, they also enable your subsidiaries to gain market knowledge about what employee benefits plans their peers are offering and what is typical in their market.

Country IGP Contact Dates

Argentina michael.spincemaille@igpeurope.com March 21 and 22

Australia gregory.delacroix@igpeurope.com September (week 36 or 37)

Brazil michael.spincemaille@igpeurope.com March 16, 17 and 18

Chile sangelastro@jhancock.com March 14, 15, 16

China - Beijing richard_tan@igp.com.sg Week of March 7

China - Shanghai richard_tan@igp.com.sg Week of February 21

Colombia sangelastro@jhancock.com March 21, 22 and 23

Ecuador sangelastro@jhancock.com March 17 & 18

Europe richard_tan@igp.com.sg Last 2 Weeks of May

Europe rdolin@jhancock.com Last 2 Weeks of May

France gregory.delacroix@igpeurope.com Continuously throughout the year

Hong Kong richard_tan@igp.com.sg Week of February 14

Hungary jan.maerien@igpeurope.com April (TBC)

Korea richard_tan@igp.com.sg April (TBC)

Malaysia joyce_low@igp.com.sg March 2-4

Malaysia joyce_low@igp.com.sg June (TBC)

New Zealand gregory.delacroix@igpeurope.com September (week 36 or 37)

Norway olivier.van.den.eynde@igpeurope.com May-June (TBC)

Philippines richard_tan@igp.com.sg March (TBC)

Portugal michael.spincemaille@igpeurope.com Week of May 30

Romania gregory.delacroix@igpeurope.com March 28-31

Spain michael.spincemaille@igpeurope.com Week of May 30

Switzerland michael.spincemaille@igpeurope.com Continuously throughout the year

Taiwan joyce_low@igp.com.sg May 10-12

Thailand joyce_low@igp.com.sg March 16-18

Thailand joyce_low@igp.com.sg June (TBC)

Turkey leen.theuwis@igp.com.sg September (week 38)

UAE angus.davies@igpeurope.com Week of April 11

IfyouwouldlikeIGPtomeetwithyourlocalcolleagues,pleasecontactyourIGPAccountManager(ortheresponsibleIGPcontactforthecountryorregionmentionedbelow)

sothatwemightsetupameeting.

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Staff News

IGP is pleased to announce that Tamara Laanen has been promoted to Assistant Director Sales & Service – IGP Europe, effective January 1, 2011. Tamara has been with IGP since January 2004 and quickly moved up to become an Account Manager in May 2006. She has a proven track record of excellent sales and conservation results and is thus well-placed to lead the European multinational sales effort.

Tamara will be taking over the responsibilities that were handled by Olivier Bruyninckx, who left IGP at the end of 2010.

Tamara will be focusing on the account development activities of her team and will report to Peter de Vries.

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Argentina

SMG Life

Australia

AMP Life Limited

Austria

VICTORIA-VOLKSBANKEN Versicherungs-AG

Baltic States (Estonia, Latvia & Lithuania)

Mandatum Life Insurance Baltic SE*

Belgium

AG Insurance

Bahrain

Aviva*

Brazil

Mapfre Seguros Brazil

Canada

Manulife Financial Corporation – Canadian Division

Channel Islands

AXA PPP healthcareCanada Life Limited

Chile

Mapfre Compañía de Seguros de Vida de Chile S.A.

China (Mainland)

Taiping Life Insurance Company, Limited

Colombia

Mapfre Colombia Vida Seguros, S.A.

Czech Republic

AXA pojišťovna a.s.*

Denmark

PFA Pension

Dominican Republic

ARS Palic Salud, S.A.Mapfre BHD Compañía de Seguros, S.A.

Ecuador

Atlas Compañia de Seguros S.A.*

El Salvador

Mapfre La Centro Americana S.A.*

Finland

Mandatum Life Insurance Company Limited

France

AXA France Vie Quatrem Assurances Collectives

List of IGP Network Partners

Germany

ERGO Life Insurance AG

Greece

The ETHNIKI Hellenic General Insurance Company

Guatemala

Via Mapfre La Centro Americana S.A.*

Honduras

Via Mapfre La Centro Americana S.A.*

Hong Kong

AXA China Region Insurance Company Limited

Hungary

AEGON Hungary Composite Insurance Company

India

Max New York Life Insurance Company Limited*

Indonesia

PT Asuransi Jiwa Manulife Indonesia

Ireland

Irish Life Assurance plc

Italy

Fondiaria-SAI S.p.A.

Japan

The Dai-ichi Life Insurance Company, Limited

Korea

Samsung Life Insurance Company, Ltd.

Kuwait

Aviva*

Liechtenstein

AXA Winterthur

Luxembourg

Fortis Luxembourg-Vie S.A.

Malaysia

ING Insurance Berhad

Mexico

Seguros Monterrey New York Life, S.A.

Monaco

AXA France Vie

Namibia

Via The Old Mutual Life Assurance Company (South Africa) Limited

Netherlands

ASR Insurance

* Correspondent Network Partner

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List of IGP Network Partners

New Zealand

TOWER New Zealand

Nicaragua

Via Mapfre La Centro Americana S.A.*

Norway

Storebrand Livsforsikring AS

Oman

Aviva*

Panama

Via Mapfre La Centro Americana S.A.*

Paraguay

Mapfre Paraguay Compañía de Seguros S.A.*

Philippines

The Insular Life Assurance Company, Ltd.

Poland

WARTA Life Assurance Company Limited

Portugal

VICTORIA-Seguros, S.A.

Qatar

Aviva*

Romania

Aviva Asigurari de Viata SA

Russia

Aviva Insurance Company, ZAO

Saudi Arabia

Aviva*

Singapore

Aviva Ltd.

Slovak Republic

AXA životní pojišťovna a.s., pobočka poisťovne z iného členského štátu*

Slovenia

VICTORIA-VOLKSBANKEN Zavarovalniska delniska druzba*

South Africa

The Old Mutual Life Assurance Company (South Africa) Limited

Spain

Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. (CASER)

Sweden

SPP Livförsäkring AB

* Correspondent Network Partner

Switzerland

AXA Winterthur

Taiwan (Republic of China)

Shin Kong Life Insurance Company, Ltd.

Thailand

Muang Thai Life Assurance Company, Ltd.

Turkey

Yapı Kredi Emeklilik A.Ş. (Life and Pensions)Yapı Kredi Sigorta A.Ş. (Health)

United Arab Emirates

Aviva*

United Kingdom

AXA PPP healthcare (Health)Canada Life Limited (Life and Pensions)

United States

Prudential Insurance Company of America (Life)

Uruguay

Mapfre Uruguay Compañía de Seguros S.A.

Venezuela

Mapfre La Seguridad, C.A.*

Third-Country National and Expatriate CoverageAXA PPP International

AXA Winterthur

CIGNA International Expatriate Benefits (CIEB)*

Nordben Life and Pension Insurance Co. Limited

IGP Contact Information

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Mr. Peter de VriesHead of the NetworkInternational Group Program (IGP)E pdevries@jhancock.com

Ms. Dorian HardwickDirector Account DevelopmentInternational Group Program (IGP)John Hancock Life Insurance Company (USA)P.O. Box 111Boston, MA 02117, USAT (617) 572-8629E dhardwick@jhancock.com

Mr. Winston RichieDirector Marketing & Technical ServicesInternational Group Program (IGP)John Hancock Life Insurance Company (USA)P.O. Box 111Boston, MA 02117, USAT (617) 572-8670E wrichie@jhancock.com

Ms. Tamara LaanenAssistant Director Sales & ServiceInternational Group Program (IGP) – EuropeJohn Hancock International Services S.A.Avenue de Tervuren 270B-1150 Brussels, BelgiumT (32) (2) 775-2963E tamara.laanen@igpeurope.com

Mr. Richard TanRegional DirectorInternational Group Program (IGP) – Asia491B River Valley Road, #07-00Singapore 248373T (65) 6833-8996E richard_tan@igp.com.sg

Mr. Brian McCarthyDirector Account DevelopmentInternational Group Program (IGP)John Hancock Life Insurance Company (USA)P.O. Box 111Boston, MA 02117, USAT (617) 572-8655E bmccarthy@jhancock.com

Mr. Colby JohnstonDirector Administration ServicesInternational Group Program (IGP)John Hancock Life Insurance Company (USA)P.O. Box 111Boston, MA 02117, USAT (617) 572-5063E cjohnston@jhancock.com

Mr. Wim MoldenaersDirector Sales & ServiceInternational Group Program (IGP) – EuropeJohn Hancock International Services S.A.Avenue de Tervuren 270B-1150 Brussels, BelgiumT (32) (2) 775-2966E wim.moldenaers@igpeurope.com

Mr. Yoshimaro KomachiyaSenior ConsultantInternational Group Program (IGP) – Japan2F Manulife Place Akasaka2-21-25 Akasaka, Minato-kuTokyo 107-0052 JapanT (81) (3) 3589-5031M (81) (90) 4614-3048E yoshimaro_komachiya@igpjapan.com