John Hancock Life Insurance Company ofNew York (John Hancock New York) is committed to offering the highest quality annuity, life insurance, and pension products to our clients. Its family of products has been built around a powerful combination of investment options chosen with the goal of providing risk adjusted returns and broad diversification across asset classes, investment styles and asset managers. WithJohn HancockNew York's broad product lines, competitive underwriting, excellent ratings and quality customer service, John Hancock New York is committed to providing premium products designed to help create and preserve wealth for our clients. Visit our corporate Web site at www.johnhancocknewyork.com.

John Hancock New York is a subsidiary of Manulife Financial Corporation which trades as 'MFC' on the TSX, NYSE and PSE, and under '0945' on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com



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

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

Group annuity contracts and recordkeeping agreements are issued by: John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, Valhalla, New York 10595. The Investment Management Services Division of John Hancock provides investment information relating to the group annuity contract. Plan administrative services may be provided by John Hancock Retirement Plan Services LLC or a plan consultant selected by the Plan.


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