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FutureStep Disclosure

Administrative and/or recordkeeping services to sponsors or administrators of retirement plans, as well as a platform of investment alternatives that are is made available without regard to the individualized needs or determination of suitability or appropriateness of any plan or participant through an open-architecture platform, are provided by John Hancock Retirement Plan Services LLC. Unless otherwise specifically stated in writing, John Hancock Retirement Plan Services LLC does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity.

Certain recordkeeping and related services for plans may be provided on behalf of John Hancock Retirement Plan Services LLC by Vestwell Holdings Inc.

Vestwell Holdings Inc. provides various fiduciary and non-fiduciary services on its proprietary recordkeeping platform to support tax-qualified retirement plans.

Marketing support services are provided by John Hancock Distributors LLC, member FINRA, SIPC.

NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.

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