1 Collective investment trusts are offered through banks or trusts overseen by state or federal bank regulators and are subject to the federal laws governing retirement plan fiduciaries. Mutual funds are offered through registered investment companies overseen by the SEC.
This is not an offer to sell units of the trust, and the trust is not soliciting offers to buy units of the trust, at any time in any jurisdiction in which the offer or sale is not permitted. Units of the trust are only offered to eligible qualified employee benefit plans in the sole discretion of the trustee. Descriptions of the trust, which include the objectives, risks, charges, expenses, and other important information, should be carefully read and considered together with the declaration of trust, the participation agreement, and the fund declarations before investing, copies of which are available to qualified investors on request from John Hancock Trust Company or Global Trust Company (John Hancock Stable Value Fund). The trust document may only be available in English.
The collective investment trusts (CITs) listed have associated risks. Please see the fund declarations for more information. John Hancock CITs are not registered investment companies and are exempt from registration under the federal securities laws and exempt from the regulatory requirements on mutual funds under the Investment Company Act of 1940; however, they are subject to federal and state regulation under the banking laws, the Employee Retirement Income Security Act of 1974, the Internal Revenue Code, and certain securities laws. A CIT is a pooled investment vehicle that is maintained by a bank or trust company for the collective investment of certain qualified retirement plans. CITs are not publicly offered and may be purchased only by certain qualified retirement plans. John Hancock CITs are maintained and distributed by John Hancock Trust Company LLC, a New Hampshire non-depository trust company, except John Hancock Stable Value Fund, which is maintained and distributed by Global Trust Company, the Fund's trustee, a non-depository trust company organized under the laws of the State of Maine. The units of the Fund are not insured by the FDIC or any other governmental agency and are not guaranteed by John Hancock Trust Company, Global Trust Company, or any other bank. To the extent that the Fund may invest in futures contracts, derivatives or similar investments, John Hancock Trust Company and Global Trust Company are not subject to registration under the Commodity Exchange Act.
John Hancock Retirement Plan Services LLC offers administrative and/or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC, a New Hampshire non-depository trust company, provides trust and custodial services to such plans, offers an lndividual Retirement Accounts product, and maintains specific Collective lnvestment Trusts. Group annuity contracts and recordkeeping agreements are issued by John Hancock. Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.
John Hancock Trust Company, LLC, 197 Clarendon Street, Boston, MA 02116, Global Trust Company, 12 Gill Street, Suite 2600, Woburn, MA 01801
