ࡱ> 7 {*bjbjUU "7|7|V% l8:<v4444 v! "H$ H'h"" h"h"'%44<&%%%h"B4<R4%h"%T%R'n46"]u4 N>*>#p>]u b</q.$Z]u% [Insert Date] Dear Participant: This Letter is to inform you about certain Fund changes that have affected or will affect our qualified retirement plan. Spring fund changes concluded in May 2008. Fall changes are scheduled to commence in late October and conclude in November 2008, subject to regulatory and other approvals. How to obtain additional information John Hancock USA will be communicating the changes through the following means: John Hancock USAs interactive voice response telephone service will be updated with information about the changes Your participant website,  HYPERLINK "http://www.jhpensions.com" www.jhpensions.com, will be updated with information about the changes in November 2008 Your statement will also reflect these changes Next steps If you would like your current investment in any of the affected Funds to continue to be invested after the changes, no action is required on your part. You may also elect to transfer your assets between Funds including any of the affected funds at any time, using the regular transfer procedures. If you have any questions or concerns about the proposed Fund changes, please feel free to contact me during regular office hours at xxx-xxx-xxxx. Sincerely, [Name and contact information] Please call 1-800-395-1113 to obtain Fund Sheets for John Hancock USA group annuity investment option sub-accounts and to obtain prospectuses for the sub-accounts' underlying mutual funds, that are available on request. The prospectuses for the sub-accounts underlying mutual funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying mutual funds which should be carefully considered before investing. Group annuity contracts are issued by John Hancock Life Insurance Company (U.S.A.) John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Product features and availability may differ by state. In New York, products are issued by John Hancock Life Insurance Company of New York. Spring 2008 Fund Changes Current Sub-Account NameNew and /or Replacement Sub-Account NameChange of Underlying Fund and ManagerRisk/Return Category and/or Morningstar Category* ChangesChange in Expense RatioFromToFromToJH DWS Mid Cap Growth FundJH American Century Vista FundDWS Mid Cap Growth Fund and DWS Scudder InvestmentsAmerican Century Vista Fund and American Century Investment Management, Inc.No change No changeDecrease of 0.10% (estimated)Dynamic Growth FundJH American Century Vista FundJHT Dynamic Growth Trust and Deutsche Asset Management, Inc.American Century Vista Fund and American Century Investment Management, Inc.No changeNo changeIncrease of 0.14% (estimated)JH John Hancock U.S. Global Leaders Growth FundJH T. Rowe Price Blue Chip Growth FundJohn Hancock U.S. Global Leaders Growth Fund and MFC Global Investment Management (U.S.), LLCT. Rowe Price Blue Chip Growth Fund and T. Rowe Price Associates, Inc.No changeNo changeDecrease of 0.23% (estimated)U.S. Global Leaders Growth FundBlue Chip Growth FundJHFII U.S. Global Leaders Growth Fund and Sustainable Growth Advisers, LPJHFII Blue Chip Growth Fund and T. Rowe Price Associates, Inc.No changeNo changeIncrease of 0.11% (estimated)Quantitative Mid Cap FundMid Cap Stock FundJHFII Quantitative Mid Cap Fund and MFC Global Investment Mgmt JHFII Mid Cap Stock Fund and Wellington Management Company, LLPGrowthAggressive GrowthIncrease of 0.11% (estimated)JH Fidelity Advisor Dividend Growth FundJH Davis New York Venture FundFidelity Advisor Dividend Growth Fund and Fidelity Management & Research CompanyDavis New York Venture Fund and Davis Advisors GrowthGrowth & IncomeDecrease of 0.44% (estimated) Current Sub-Account NameNew and /or Replacement Sub-Account NameChange of Underlying Fund and ManagerRisk/Return category and/or Morningstar Category* ChangesChange in Expense RatioFromToFromToU.S. Large Cap FundNo changeNo changeNo changeLarge Blend*Large Growth*No changeCore Equity FundNo changeNo changeNo changeLarge Blend*Large Growth*No changeU.S. Government Securities FundNo changeNo changeNo changeShort Government*Intermediate Government*No changeJH Lifestyle Fund Moderate PortfolioNo changeNo changeNo changeModerate Allocation*Conservative Allocation*No changeQuantitative Value FundOptimized Value FundJHFII Quantitative Value Fund and MFC Global Investment MgmtJHFII Optimized Value Fund and MFC Global Investment MgmtNo changeNo changeNo changeQuantitative All Cap FundOptimized All Cap FundJHT - Quantitative All Cap Trust and MFC Global Investment MgmtJHT - Optimized All Cap Trust and MFC Global Investment MgmtNo changeNo changeNo changeBond Index FundTotal Bond Market FundNo changeNo changeNo changeNo changeNo changeSpring 2008 Fund Changes continued Fall 2008 Fund Changes Name changes The sub-account names of the John Hancock series funds will be changing with the removal of the "JH" as of November 10th, 2008. The words "American Funds" will be removed from the sub-account and underlying fund names for the American Funds investment options on our platform. The effective date for the proposed change is November 10, 2008. List of Changes Current Sub-Account NameNew and /or Replacement Sub-Account NameChange of Underlying Fund and ManagerChange in Expense RatioFromToEmerging Growth FundSmall Cap Growth Index Fund John Hancock Funds II - Emerging Growth FundVanguard Small Cap Growth Index FundEstimated Decrease of 0.16%JH American Century - Mason Street Small Cap Growth FundSmall Cap Growth FundAmerican Century - Mason Street Small Cap Growth FundJHT - Small Cap Growth TrustEstimated Decrease of 0.18%Small Cap FundSmall Cap Growth FundJohn Hancock Funds II - Small Cap FundJHT - Small Cap Growth TrustEstimated Increase of 0.26%JH John Hancock Small Cap FundSmall Cap Growth Fund John Hancock Small Cap FundJHT - Small Cap Growth TrustEstimated Decrease of 0.43%JH John Hancock Growth Opportunities FundMid Cap Stock FundJohn Hancock Funds III - Growth Opportunities FundJohn Hancock Funds II - Mid Cap Stock FundEstimated Decrease of 0.16%JH American Century - Mason Street Mid Cap Growth FundMid Cap Stock FundAmerican Century - Mason Street Mid Cap Growth FundJohn Hancock Funds II - Mid Cap Stock FundEstimated Decrease of 0.37%Small Company FundAmerican Century Small Company FundJohn Hancock Funds II - Small Company FundAmerican Century Small Company FundEstimated Decrease of 0.13%JH AIM Constellation FundAll Cap Growth FundAIM Constellation FundJohn Hancock Funds II - All Cap Growth FundEstimated Decrease of 0.20%JH Templeton Foreign Smaller Companies FundInternational Small Cap FundTempleton Foreign Smaller Companies FundJohn Hancock Funds II - International Small Cap FundEstimated Decrease of 0.24%Overseas Equity FundAmerican Funds EuroPacific Growth Fund JHT - Overseas Equity TrustEuroPacific Growth FundEstimated Decrease of 0.15%Global FundTempleton World Fund JHT - Global TrustTempleton World FundEstimated Increase of 0.06%JH Munder Small-Cap Value FundSmall Cap Opportunities FundMunder Small-Cap Value FundJohn Hancock Funds II - Small Cap Opportunities FundEstimated Decrease of 0.17% List of Changes continued Current Sub-Account NameNew and /or Replacement Sub-Account NameChange of Underlying Fund and ManagerChange in Expense RatioFromToJH John Hancock Value Opportunities FundRiverSource Mid Cap Value FundJohn Hancock Funds III - Value Opportunities FundRiverSource Mid Cap Value FundEstimated Increase of 0.29%JH T. Rowe Price Mid-Cap Value FundMid Value FundT. Rowe Price Mid-Cap Value FundJHT - Mid Value TrustEstimated Decrease of 0.08%JH Lord Abbett All Value FundAll Cap Value FundLord Abbett All Value FundJohn Hancock Funds II - All Cap Value FundEstimated Decrease of 0.15%JH Weitz Partners Value FundMutual Beacon FundWeitz Partners Value FundMutual Beacon FundEstimated Decrease of 0.16%US Core FundFundamental Value FundJHT - US Core TrustJohn Hancock Funds II - Fundamental Value FundEstimated Decrease of 0.02%JH American Century - Mason Street High Yield Bond FundU.S. High Yield Bond FundAmerican Century - Mason Street High Yield Bond FundJohn Hancock Funds II - U.S. High Yield Bond FundEstimated Decrease of 0.21%JH American Century - Mason Street Select Bond FundPIMCO Total Return FundAmerican Century Mason Street Select Bond FundPIMCO Total Return FundEstimated Increase of 0.08%Small Cap Opportunities FundNo Change Munder Capital ManagementMunder Capital Management And Invesco AIM Capital Management No Change JH AIM Small Cap Growth FundNo ChangeAIM Investments, Inc Invesco AIM Capital ManagementNo ChangeAll Cap Growth FundNo ChangeAIM Investments, IncInvesco AIM Capital ManagementNo ChangeJH DWS RREEF Real Estate Securities FundNo ChangeDWS Scudder InvestmentsDWS Investments Service Company No ChangeJH Excelsior Value and Restructuring FundColumbia Value and Restructuring FundExcelsior Value and Restructuring FundColumbia Value and Restructuring FundNo Change Please note the underlying funds share class has changed from Shares to Z     Sample Participant Letter Plan Sponsor: Please remember to either print this letter on your company letterhead or copy and paste the content into an e-mail. 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