EFFECTIVE MAY 8, 2006, THE MORGAN STANLEY STABLE …

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[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 USA’s interactive voice response telephone service will be updated with information about the changes

• Your participant website, , 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 Name |New and /or |Change of Underlying Fund and Manager |Risk/Return Category and/or |Change in |

| |Replacement | |Morningstar Category* Changes |Expense Ratio |

| |Sub-Account Name | | | |

| | |From |To |From |To | |

|Dynamic Growth Fund |JH American Century |JHT – Dynamic Growth|American Century |No change |No change |Increase of |

| |Vista Fund |Trust and Deutsche |Vista Fund and | | |0.14% |

| | |Asset Management, |American Century | | |(estimated) |

| | |Inc. |Investment | | | |

| | | |Management, Inc. | | | |

|JH John Hancock U.S. |JH T. Rowe Price |John Hancock U.S. |T. Rowe Price Blue |No change |No change |Decrease of |

|Global Leaders Growth Fund|Blue Chip Growth |Global Leaders |Chip Growth Fund and| | |0.23% |

| |Fund |Growth Fund and MFC |T. Rowe Price | | |(estimated) |

| | |Global Investment |Associates, Inc. | | | |

| | |Management (U.S.), | | | | |

| | |LLC | | | | |

|U.S. Global Leaders Growth|Blue Chip Growth |JHFII – U.S. Global |JHFII – Blue Chip |No change |No change |Increase of |

|Fund |Fund |Leaders Growth Fund |Growth Fund and T. | | |0.11% |

| | |and Sustainable |Rowe Price | | |(estimated) |

| | |Growth Advisers, LP |Associates, Inc. | | | |

|Quantitative Mid Cap Fund |Mid Cap Stock Fund |JHFII – |JHFII – Mid Cap |Growth |Aggressive |Increase of |

| | |Quantitative Mid Cap|Stock Fund and | |Growth |0.11% |

| | |Fund and MFC Global |Wellington | | |(estimated) |

| | |Investment Mgmt |Management Company, | | | |

| | | |LLP | | | |

|JH Fidelity Advisor |JH Davis New York |Fidelity Advisor |Davis New York |Growth |Growth & Income |Decrease of |

|Dividend Growth Fund |Venture Fund |Dividend Growth Fund|Venture Fund and | | |0.44% |

| | |and Fidelity |Davis Advisors | | |(estimated) |

| | |Management & | | | | |

| | |Research Company | | | | |

|Current Sub-Account Name |New and /or |Change of Underlying Fund and Manager |Risk/Return category and/or |Change in |

| |Replacement | |Morningstar Category* Changes |Expense Ratio |

| |Sub-Account Name | | | |

| | |From |To |From |To | |

|Core Equity Fund |No change |No change |No change |Large Blend* |Large Growth* |No change |

|U.S. Government Securities|No change |No change |No change |Short Government*|Intermediate |No change |

|Fund | | | | |Government* | |

|JH Lifestyle Fund – |No change |No change |No change |Moderate |Conservative |No change |

|Moderate Portfolio | | | |Allocation* |Allocation* | |

|Quantitative Value Fund |Optimized Value Fund|JHFII – Quantitative|JHFII – Optimized |No change |No change |No change |

| | |Value Fund and MFC |Value Fund and MFC | | | |

| | |Global Investment |Global Investment | | | |

| | |Mgmt |Mgmt | | | |

|Quantitative All Cap Fund |Optimized All Cap |JHT - Quantitative |JHT - Optimized All |No change |No change |No change |

| |Fund |All Cap Trust and |Cap Trust and MFC | | | |

| | |MFC Global |Global Investment | | | |

| | |Investment Mgmt |Mgmt | | | |

|Bond Index Fund |Total Bond Market |No change |No change |No change |No change |No change |

| |Fund | | | | | |

Spring 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 Name |New and /or Replacement |Change of Underlying Fund and Manager |Change in Expense Ratio|

| |Sub-Account Name | | |

| | |From |To | |

|Emerging Growth Fund |Small Cap Growth Index Fund |John Hancock Funds II - |Vanguard Small Cap |Estimated Decrease of |

| | |Emerging Growth Fund |Growth Index Fund |0.16% |

|JH American Century - Mason Street |Small Cap Growth Fund |American Century - Mason |JHT - Small Cap Growth |Estimated Decrease of |

|Small Cap Growth Fund | |Street Small Cap Growth |Trust |0.18% |

| | |Fund | | |

|Small Cap Fund |Small Cap Growth Fund |John Hancock Funds II - |JHT - Small Cap Growth |Estimated Increase of |

| | |Small Cap Fund |Trust |0.26% |

|JH John Hancock Small Cap Fund |Small Cap Growth Fund |John Hancock Small Cap |JHT - Small Cap Growth |Estimated Decrease of |

| | |Fund |Trust |0.43% |

|JH John Hancock Growth Opportunities |Mid Cap Stock Fund |John Hancock Funds III - |John Hancock Funds II -|Estimated Decrease of |

|Fund | |Growth Opportunities Fund |Mid Cap Stock Fund |0.16% |

|JH American Century - Mason Street Mid|Mid Cap Stock Fund |American Century - Mason |John Hancock Funds II -|Estimated Decrease of |

|Cap Growth Fund | |Street Mid Cap Growth Fund|Mid Cap Stock Fund |0.37% |

|Small Company Fund |American Century Small |John Hancock Funds II - |American Century Small |Estimated Decrease of |

| |Company Fund |Small Company Fund |Company Fund |0.13% |

|JH AIM Constellation Fund |All Cap Growth Fund |AIM Constellation Fund |John Hancock Funds II -|Estimated Decrease of |

| | | |All Cap Growth Fund |0.20% |

|JH Templeton Foreign Smaller Companies|International Small Cap Fund |Templeton Foreign Smaller |John Hancock Funds II -|Estimated Decrease of |

|Fund | |Companies Fund |International Small Cap|0.24% |

| | | |Fund | |

|Overseas Equity Fund |American Funds EuroPacific |JHT - Overseas Equity |EuroPacific Growth |Estimated Decrease of |

| |Growth Fund |Trust |Fund® |0.15% |

|Global Fund |Templeton World Fund |JHT - Global Trust |Templeton World Fund |Estimated Increase of |

| | | | |0.06% |

|JH Munder Small-Cap Value Fund |Small Cap Opportunities Fund |Munder Small-Cap Value |John Hancock Funds II -|Estimated Decrease of |

| | |Fund |Small Cap Opportunities|0.17% |

| | | |Fund | |

List of Changes continued

|Current Sub-Account Name |New and /or Replacement |Change of Underlying Fund and Manager |Change in Expense Ratio|

| |Sub-Account Name | | |

| | |From |To | |

|JH John Hancock Value Opportunities |RiverSource Mid Cap Value |John Hancock Funds III - |RiverSource Mid Cap |Estimated Increase of |

|Fund |Fund |Value Opportunities Fund |Value Fund |0.29% |

|JH T. Rowe Price Mid-Cap Value Fund |Mid Value Fund |T. Rowe Price Mid-Cap |JHT - Mid Value Trust |Estimated Decrease of |

| | |Value Fund | |0.08% |

|JH Lord Abbett All Value Fund |All Cap Value Fund |Lord Abbett All Value Fund|John Hancock Funds II -|Estimated Decrease of |

| | | |All Cap Value Fund |0.15% |

|JH Weitz Partners Value Fund |Mutual Beacon Fund |Weitz Partners Value Fund |Mutual Beacon Fund |Estimated Decrease of |

| | | | |0.16% |

|US Core Fund |Fundamental Value Fund |JHT - US Core Trust |John Hancock Funds II -|Estimated Decrease of |

| | | |Fundamental Value Fund |0.02% |

|JH American Century - Mason Street |U.S. High Yield Bond Fund |American Century - Mason |John Hancock Funds II -|Estimated Decrease of |

|High Yield Bond Fund | |Street High Yield Bond |U.S. High Yield Bond |0.21% |

| | |Fund |Fund | |

|JH American Century - Mason Street |PIMCO Total Return Fund |American Century – Mason |PIMCO Total Return Fund|Estimated Increase of |

|Select Bond Fund | |Street Select Bond Fund | |0.08% |

|Small Cap Opportunities Fund |No Change |Munder Capital Management |Munder Capital |No Change |

| | | |Management | |

| | | |And Invesco AIM Capital| |

| | | |Management | |

|JH AIM Small Cap Growth Fund |No Change |AIM Investments, Inc |Invesco AIM Capital |No Change |

| | | |Management | |

|All Cap Growth Fund |No Change |AIM Investments, Inc |Invesco AIM Capital |No Change |

| | | |Management | |

|JH DWS RREEF Real Estate Securities |No Change |DWS Scudder Investments |DWS Investments Service|No Change |

|Fund | | |Company | |

|JH Excelsior Value and Restructuring |Columbia Value and |Excelsior Value and |Columbia Value and |No Change |

|Fund¹ |Restructuring Fund¹ |Restructuring Fund¹ |Restructuring Fund¹ | |

¹Please note the underlying fund’s share class has changed from “Shares” to “Z”

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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. To view your contract’s fund lineup, visit the investment options page of our website at er

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