[ ] |
immediately upon filing pursuant to paragraph (b) |
[X] |
on April 29, 2024, pursuant to paragraph (b) |
[ ] |
60 days after filing pursuant to paragraph (a)(1) |
[ ] |
on ______ pursuant to paragraph (a)(1) of Rule 485 under the Securities Act. |
[ ] |
this post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
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FEES AND EXPENSES | ||||
Charges for Early
Withdrawals |
There are surrender charges assessed upon surrender, withdrawal, or
policy lapse in the first fifteen policy years from the
Policy Date. The maximum surrender charge is 5.92% of Base
Face Amount. For example, if the Base Face Amount is
$100,000, the highest possible surrender charge would be
$5,924. |
FEE TABLE
Deductions from policy
value | ||
Transaction Charges |
In addition to surrender charges (if applicable), you may also be
charged for the following transactions:
A premium charge will be deducted from each premium paid.
A transfer fee may be deducted upon transfers into or out of a variable
investment account after you have made more than 12 such
transfers in a year. |
FEE TABLE
Deductions from premium
payments
Deductions from policy value | ||
Ongoing Fees and
Expenses (annual charges) |
In addition to surrender charges and transaction charges, you will also
be subject to certain ongoing fees and expenses, including
a cost of insurance charge, administrative charge, Base
Face Amount charge, Supplemental Face Amount charge,
asset-based risk charge, policy loan costs, and
supplementary benefit rider charges. Some of these fees and expenses are
based wholly or in part on the characteristics of the
insured person (e.g., age, sex, and underwriting
classification). You should view the “policy specifications” page of your
policy for rates applicable to your policy.
|
FEE TABLE Deductions from policy value | ||
You will also bear expenses associated with the portfolios under the
policy, as shown in the following table:
|
Charges at the portfolio
level
APPENDIX | |||
Annual Fee |
Minimum |
Maximum | ||
Variable investment accounts (portfolio fees
and expenses) |
0.39% |
2.58% |
RISKS | ||
Risk of Loss |
You can lose money by investing in this policy. |
PRINCIPAL RISKS OF
INVESTING IN A
POLICY |
Not a Short- Term
Investment |
This policy is not a short-term investment and is not appropriate for
an investor who needs ready access to cash. The policy is
unsuitable as a short-term savings vehicle because of
substantial policy-level charges, including the premium
charge and the surrender charge, as well as potential
adverse tax consequences from such short-term use. |
Early Surrender or
Withdrawal Risk/Not a
Short-Term Investment |
Risks Associated with
Investment Options |
An investment in this policy is subject to the risk of poor
performance and can vary depending on the performance of
the account allocation options available under the policy
(e.g., portfolios). Each such option (including the fixed
account and indexed accounts) will have its own unique
risks, and you should review these options before making
an allocation decision. You can find the prospectuses and
other information about the portfolios at
dfinview.com/JohnHancock/TAHD/MAVUL2019?site=Majestic. |
Investment Risk/Risk of Loss Risks Associated with Indexed Accounts |
RISKS | ||
Insurance Company
Risks |
Your investment in the policy is subject to risks related to John
Hancock USA, including that the obligations (including
under the fixed and indexed account options), guarantees,
or benefits are subject to the claims-paying ability of
John Hancock USA. Information about John Hancock USA,
including its financial strength ratings, is available
upon request from your John Hancock USA representative.
Our current financial strength ratings can also be
obtained by contacting the Service Office at 1-800-448-1616. |
Depositor
Registrant |
Policy Lapse |
Unless the No-Lapse Guarantee is in effect, this policy will go into
default if at the beginning of any policy month the
policy’s net cash surrender value would be zero or
below after deducting the monthly deductions then due.
The “net cash surrender value” is your policy
value, less any policy debt, and less any applicable surrender charges.
This can happen as a result of insufficient premium
payments, poor performance of the variable or general
account options you have chosen, withdrawals, or unpaid
loans or loan interest. If a default is not cured within
a 61-day grace period, your policy will lapse without
value, and no death benefit or other benefits will be payable. You can
apply to reinstate a policy that has gone into default,
subject to conditions including payment of a specified
amount of additional premiums. |
Lapse and Reinstatement |
RESTRICTIONS | ||
Investments |
There are restrictions that may limit the variable investment account
options and general account options (including under the
fixed and indexed account options) that you may choose,
as well as limitations on the transfer of policy value
among those options. These restrictions may include a
monthly limit on the number of transfers you may make. We
may also impose additional restrictions to discourage
market timing and disruptive trading activity. In particular, your allocation options will be affected if you elect to
take a loan or receive benefits under certain supplementary benefit
riders.
Among other things, the policy also allows us to eliminate the shares
of a portfolio or substitute shares of another new or
existing portfolio, subject to applicable legal
requirements. |
Limitations on transfers
to or from a variable
investment account
Limitations on transfers
out of the fixed account
Effect of Loans on Cash
Value and Death
Benefit
Long-Term Care Rider,
Long-Term Care Rider
2018, and Overloan
Protection Rider
Portfolios and The
Indexed Accounts |
Optional Benefits |
There are restrictions and limitations relating to optional benefits,
as well as conditions under which an optional benefit may
be modified or terminated by us. For example, certain
supplementary benefit riders may be subject to
underwriting, and your election of an option may result
in restrictions upon some of the policy benefits, including
availability of investment options. |
Return of Premium Death Benefit Rider Overloan Protection Rider More About Certain Optional Benefits |
TAXES | ||
Tax Implications |
You should consult with a tax professional to determine the tax
implications of an investment in and payments received
under the policy. There is no additional tax benefit to
you if the policy is purchased through a tax-qualified
plan. If we pay out any amount of your policy value upon
surrender or partial withdrawal, all or part of that
distribution would generally be treated as a return of the
premiums you’ve paid and not subjected to income tax, with any
portion not treated as a return of your premiums
includible in your income. Distributions also are subject
to tax penalties under some circumstances.
|
Tax Consequences of Owning a Policy |
CONFLICTS OF INTEREST | ||
Investment Professional
Compensation |
Some investment professionals may receive compensation for selling
the policy, including by means of commissions and revenue
sharing arrangements. These investment professionals may
have a financial incentive to offer or recommend this
policy over another investment. |
Commissions Paid to
Dealers |
Exchanges |
Some investment professionals may have a financial incentive to
offer you a new policy in place of the one you already
own, and you should only exchange your policy if you
determine, after comparing the features, fees, and risks
of both policies, that it is preferable for you to
purchase the new policy rather than continue to own the
existing policy. |
Commissions Paid to Dealers |
TRANSACTION FEES | ||
Charge |
When Charge is Deducted |
Amount Deducted |
Maximum premium charge |
Upon payment of premium |
7% of each premium paid(1) |
Maximum surrender charge(2) |
Upon surrender or policy lapse |
|
Minimum charge |
|
$2.58 per $1,000 of Base Face Amount |
Maximum charge |
|
$59.24 per $1,000 of Base Face Amount |
Charge for a representative insured
person |
|
$24.86 per $1,000 of Base Face Amount |
Transfer fee(3) |
Upon each transfer into or out of a variable
investment account beyond an annual limit
of twelve |
$25 |
Cash Value Enhancement Rider |
Upon policy issue |
$500.00 |
Overloan Protection Rider(4) |
At exercise of benefit |
|
Maximum charge |
|
0.04% |
Minimum charge |
|
8.0% |
Accelerated Benefit Rider(5) |
At exercise of benefit |
$150.00 |
PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES |
||
Charge |
When Charge is Deducted |
Amount Deducted |
Base Policy Charges: |
|
|
Cost of Insurance(1): |
Monthly |
|
Minimum charge |
|
$0.02 per $1,000 of NAR |
Maximum charge |
|
$83.33 per $1,000 of NAR |
Charge for a representative insured
person |
|
$0.22 per $1,000 of NAR |
PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO EXPENSES |
||
Charge |
When Charge is Deducted |
Amount Deducted |
Administrative charge |
Monthly |
$20.00 |
Base Face Amount charge(2): |
Monthly |
|
Minimum charge |
|
$0.04 per $1,000 of Base Face Amount |
Maximum charge |
|
$6.83 per $1,000 of Base Face Amount |
Charge for a representative insured
person |
|
$0.31 per $1,000 of Base Face Amount |
Supplemental Face Amount charge(3): |
Monthly |
|
Minimum charge |
|
$0.01 per $1,000 of Supplemental Face Amount |
Maximum charge |
|
$4.7053 per $1,000 of Supplemental Face Amount |
Charge for a representative insured
person |
|
$0.02 per $1,000 of Supplemental Face
Amount |
Asset-based risk charge(4) |
Monthly |
0.02% of (monthly rate) policy value |
Maximum policy loan interest rate(5) |
Accrues daily Payable annually |
3.25% annual rate |
Optional Benefit Charges: |
|
|
Healthy Engagement Rider |
Monthly |
$2 |
Disability Payment of Specified Premium
Rider(6) |
Monthly |
|
Minimum charge |
|
$16.57 per $1,000 of Specified Premium |
Maximum charge |
|
$198.67 per $1,000 of Specified Premium |
Charge for representative insured
person |
|
$51.66 per $1,000 of Specified Premium |
Long-Term Care Rider(7) |
Monthly |
|
Minimum charge |
|
$0.01 per $1,000 of NAR |
Maximum charge |
|
$3.34 per $1,000 of NAR |
Charge for representative insured
person |
|
$0.08 per $1,000 of NAR |
Long-Term Care Rider 2018(8) |
Monthly |
|
Minimum charge |
|
$0.01 per $1,000 of NAR |
Maximum charge |
|
$3.75 per $1,000 of NAR |
Charge for representative insured
person |
|
$0.07 per $1,000 of NAR |
Return of Premium Death Benefit Rider(9) |
Monthly |
|
Minimum charge |
|
$0.02 per $1,000 of NAR |
Maximum charge |
|
$83.33 per $1,000 of NAR |
Charge for representative insured
person |
|
$0.22 per $1,000 of NAR |
Annual Portfolio Expenses |
Minimum |
Maximum |
Range of expenses that are deducted from portfolio assets, including
management fees, distribution and/or service (12b-1) fees,
and other expenses |
0.39% |
2.58% |
If Hypothetical
Index Return is: |
Index Return
After the
Application of the
Base Capped
Indexed Account
Parameters |
Index Return
After the
Application of the
Base High
Par Capped
Indexed Account
Parameters |
Account
Performance |
|
100% Participation Rate
7% Segment Cap Rate
0.25% Segment Floor Rate |
160% Participation Rate
5.5% Segment Cap Rate
0.25% Segment Floor Rate |
|
-5% |
0.25% |
0.25% |
Same return |
0% |
0.25% |
0.25% |
Same return |
3% |
3% |
4.8% |
Base High Par Capped
performs better |
8% |
7% |
5.5% |
Base Capped performs better |
|
Initial
segment
balance |
Withdrawal
taken in
policy
month 3 |
Balance used
to calculate
index segment
interest credit |
Hypothetical
Rate used
to calculate
index segment
interest credit |
Index segment
interest credit
on segment
maturity date |
No withdrawal |
$100,000 |
n/a |
$100,000 |
3.0% |
$100,000 x 3.0% = $3,000 |
$10,000 withdrawal |
$100,000 |
$10,000 |
$100,000 - $10,000 x (9/12) = $92,500 |
3.0% |
$92,500 x 3.0% = $2,775 |
Attained Age |
Applicable Factor |
40 and under |
250% |
45 |
215% |
50 |
185% |
55 |
150% |
60 |
130% |
65 |
120% |
70 |
115% |
75 |
105% |
90 |
105% |
95 and above |
100% |
Attained Age |
Factor Female |
Factor Male |
40 |
494.24% |
445.47% |
45 |
415.18% |
379.41% |
50 |
349.01% |
322.43% |
55 |
294.49% |
273.75% |
60 |
249.83% |
233.40% |
65 |
213.66% |
200.75% |
70 |
184.74% |
174.53% |
75 |
161.66% |
153.61% |
90 |
119.05% |
116.28% |
95 |
111.37% |
110.42% |
100 and above |
100.00% |
100.00% |
STANDARD BENEFITS | ||
Name of Benefit |
Purpose |
Brief Description of
Restrictions/Limitations |
Dollar cost averaging |
Under the dollar cost averaging program, you will
designate an amount that will be transferred
monthly from one variable investment account into
any other variable investment account, a fixed
account, or a holding segment of an indexed
account until the amounts are designated to a
segment of the indexed account. |
We reserve the right to cease to offer this program
after written notice to you. |
Asset allocation balancing |
Under the asset allocation balancer program, you
will designate a percentage allocation of policy
value among variable investment accounts. We will
automatically transfer amounts among the variable
investment accounts at intervals you select
(annually, semi-annually, quarterly, or monthly) to
reestablish your chosen allocation. |
We reserve the right to cease this program after written notice to you. |
OPTIONAL BENEFITS | ||
Name of Benefit |
Purpose |
Brief Description of
Restrictions/Limitations |
Healthy Engagement
Rider |
Provides the opportunity to add credits to your
policy value based upon the insured person’s
ongoing participation in activities that promote a
healthy lifestyle. The higher the insured person’s
healthy engagement status category, and the more
years the insured person qualifies for higher status
categories, the larger your credits are likely to be.
The Healthy Engagement Rider also provides the
insured person with the possibility of other
benefits. |
The amount of any credit will be reduced (a) the
closer we are to charging the policy’s maximum
cost of insurance rate or (b) at any time the policy’s
death benefit exceeds the cap shown in your policy.
We have the right to change at any time the
qualification standards for status categories. Also,
we may change or terminate any other incentives. |
Disability Payment of
Specified Premium Rider |
Pays a specified amount of premium into the policy
value each month during the life insured person’s
total disability. |
Total disability must begin between the policy anniversaries nearest the insured person’s 5th and 65th birthdays and must be continuous for at least six months. We will not pay the specified premium under this rider if: (1) the total disability results from an intentional, self-inflicted injury or service in the armed forces; or (2) the total disability begins within 2 years after the rider’s Issue Date and results from an injury sustained or a disease contracted before the rider’s Issue Date. The specified premium may be reduced in the event of a reduction in Total Face Amount. The specified premium paid under this rider may not be sufficient to maintain the policy in force to Age 121. |
OPTIONAL BENEFITS | ||
Name of Benefit |
Purpose |
Brief Description of
Restrictions/Limitations |
Long Term Care Rider |
Provides for periodic advance payments to you of a
portion of the death benefit if the insured person
becomes chronically ill as defined in the policy and
has received qualified long-term care service while
the policy is in force. If you elect this rider, you will
also have an option to apply to have a portion of the
policy’s death benefit advanced to you in the event
of terminal illness. |
There is a maximum amount of death benefit that
we will advance for each month of qualification.
Each advance reduces the remaining death benefit
under your policy and causes a proportionate
reduction in your policy value. We restrict your
policy value’s exposure to market risk when
benefits are paid under the Long-Term Care Rider
by transferring all policy value to the fixed account.
In addition, you will not be permitted to transfer
policy value or allocate any additional premium
payment to a variable investment account or an
indexed account while rider benefits are paid. There
is a significant risk that ownership of a policy with
this rider by anyone other than the insured person
will cause adverse tax consequences. Benefits paid
under this rider do not reduce the No-Lapse
Guarantee Premium requirements that may be
necessary for the no-lapse guarantee to remain in
effect after a termination of rider benefits. |
Long Term Care Rider
2018 |
Provides for periodic advance payments to you of a
portion of the death benefit if the insured person
becomes chronically ill as defined in the policy and
has received qualified long-term care service while
the policy is in force. Rider benefits may also be
used to pay for Stay at Home Services. |
Each advance payment under the rider reduces the
remaining death benefit under your policy and
causes a proportionate reduction in your policy
value. We restrict your policy value’s exposure to
market risk when benefits are paid under the Long-
Term Care Rider 2018 by transferring all policy
value to the fixed account. In addition, you will not
be permitted to transfer policy value or allocate any
additional premium payment to a variable
investment account or an indexed account while
rider benefits are paid. There is a significant risk
that ownership of a policy with this rider by anyone
other than the insured person will cause adverse tax
consequences. Finally, benefits paid under this rider
do not reduce the No-Lapse Guarantee Premium
requirements that may be necessary for the no-lapse
guarantee to remain in effect after a termination of
rider benefits. |
Return of Premium Death
Benefit Rider |
Provides an additional death benefit payable upon
the death of the insured person. |
This benefit is available to you only if you elect death benefit Option 1. You must terminate this rider before you can elect any increase to your Supplemental Face Amount. |
OPTIONAL BENEFITS | ||
Name of Benefit |
Purpose |
Brief Description of
Restrictions/Limitations |
Overloan Protection Rider |
Prevents your policy from lapsing on any date if
policy debt exceeds the death benefit. |
The benefit is subject to a number of eligibility
requirements relating to, among other things, the
number of years the policy has been in force, the
attained age of the insured person, the death benefit
option elected and the tax status of the policy.
When the Overloan Protection Benefit in this rider
is invoked, all values in the variable investment
accounts and the indexed accounts (upon segment
maturity) are transferred to the fixed account and
will continue to grow at the current fixed account
interest rate. Thereafter, policy changes and
transactions are limited as set forth in the rider. Any
applicable No-Lapse Guarantee under the policy no
longer applies, and any supplementary benefit rider
requiring a monthly deduction will automatically be
terminated.
When the Overloan Protection Rider causes the
policy to be converted into a fixed policy, there is
risk that the Internal Revenue Service could assert
that the policy has been effectively terminated and
that the outstanding loan balance should be treated
as a distribution. |
Cash Value Enhancement
Rider |
Provides an enhancement in cash surrender value. |
The decision to add this rider to your policy must
be made at issuance of the policy and, once made,
is irrevocable. |
Accelerated Benefit Rider |
Allows you to make a one-time request to
accelerate a portion of your death benefit should
the insured person become terminally ill and have a
life expectancy of one year or less. |
Payment of the benefit amount will reduce your
death benefit, cash value or loan value under your
policy. This rider is only available with policies that
are individually owned. |
Healthy Engagement Core
Rider |
This program is designed to help improve the
longevity of the insured person by educating and
motivating the insured person to develop and
maintain a healthy lifestyle.
By participating in this program, the insured person
may receive discounts on certain goods and
services, educational resources, tools, or other
items that are designed to encourage learning and
participation in healthy activities. |
We reserve the right to amend aspects of the program from time to time, including the Program Rewards. In order to participate in the program, the insured person (i) must have attained Age 20, and (ii) must not have elected the Healthy Engagement Rider. |
Policy Year |
Cash Value Enhancement Waiver Percentage |
1 |
90% |
2 |
80% |
3 |
60% |
4 |
40% |
5 |
20% |
6+ |
0% |
MATERIAL STATE VARIATIONS | ||
Policy Provisions |
States with Variation |
Description of Variations |
Free Look (amount of refund) |
AK, AL, AR, AZ, CT, DC, DE, GA, HI,
IA, ID, IL, IN, KS, KY, LA, MA, MD, ME,
MI, MN, MO, MS, MT, NC, ND, NE NH,
NJ, NM, NV, OH, OK, OR, PA, RI, SC,
TN, TX, UT, VA, VT, WA, WV and WY |
Return of premium |
CA, CO, FL, SD |
Policy value at time of return plus charges
deducted | |
Free Look (duration) NOTE: Unless
otherwise stated in the columns to the
right, the free-look period duration is 30
days if your policy is a replacement for
another policy and 10 days in all other
cases. |
CA |
30 days (age 60+ non-replacement) |
CO |
15 days (non-replacement) | |
DE |
20 days (replacement) | |
FL |
14 days (non-replacement and
replacement) | |
ND |
20 days (non-replacement and
replacement) | |
GU, SD |
10 days (replacement) | |
Riders |
States with Variation |
Description of Variations |
Accelerated Benefit Rider |
MA |
Not available |
|
WA |
For riders issued before July 18, 2022,
condition of payment is based in part on
the life insured person having a life
expectancy of two years or less. |
Disability Payment of Specified Premium
Rider |
IN |
Total disability must begin between policy
anniversary nearest the insured person’s
20th and 65th birthdays. |
Healthy Engagement Rider |
GU, PR |
Not available |
Healthy Engagement Core Rider |
GU, PR |
Not available |
Long Term Care Rider 2018 |
CA, PR |
Not available |
Return of Premium Death Benefit Rider |
GU |
Not available |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To approximate the aggregate total return
of a broad-based U.S. domestic equity
market index. |
500 Index Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.25%* |
25.95 |
15.40 |
11.75 |
To seek income and capital appreciation. |
Active Bond Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.66% |
6.48 |
1.67 |
2.40 |
To seek to provide high total return
(including income and capital gains)
consistent with preservation of capital
over the long term. |
American Asset Allocation Trust - Series
I
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.93% |
13.90 |
8.80 |
6.86 |
To seek to provide long-term growth of
capital. |
American Global Growth Trust - Series I
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
1.06%* |
22.12 |
13.20 |
9.17 |
To seek to provide growth of capital. |
American Growth Trust - Series I
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.97%* |
37.99 |
18.24 |
13.94 |
To seek to provide long-term growth of
capital and income. |
American Growth-Income Trust - Series I
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
0.91%* |
25.68 |
12.95 |
10.52 |
To seek to provide long-term growth of
capital. |
American International Trust - Series I
Capital Research and Management
Company (Adviser to the Master Fund,
American Fund Insurance Series) |
1.17%* |
15.39 |
4.44 |
3.02 |
To provide long-term growth of capital.
Current income is a secondary objective. |
Blue Chip Growth Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
0.77%* |
49.59 |
13.58 |
12.39 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek long-term growth of capital. |
Capital Appreciation Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Jennison Associates LLC |
0.76%* |
52.95 |
18.07 |
14.18 |
To seek long-term capital appreciation. |
Capital Appreciation Value Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
0.89%* |
18.31 |
12.48 |
10.30 |
To seek total return consisting of income
and capital appreciation. |
Core Bond Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Allspring Global Investments, LLC |
0.63%* |
5.89 |
1.11 |
1.74 |
To seek long-term growth of capital. |
Disciplined Value International Trust -
Series NAV
John Hancock Variable Trust Advisers
LLC/Boston Partners Global Investors, Inc. |
0.79%* |
20.05 |
8.47 |
3.10 |
To seek long-term capital appreciation. |
Emerging Markets Value Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Dimensional Fund Advisors LP |
1.03%* |
15.15 |
5.42 |
3.06 |
To provide substantial dividend income
and also long-term growth of capital. |
Equity Income Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
0.71%* |
9.52 |
11.15 |
7.88 |
To seek growth of capital. |
Financial Industries Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.89%* |
5.21 |
9.70 |
7.08 |
To seek long-term growth of capital. |
Fundamental All Cap Core Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.71%* |
35.44 |
18.38 |
12.32 |
To seek long-term capital appreciation. |
Fundamental Large Cap Value Trust -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.73%* |
23.49 |
17.64 |
10.24 |
To seek long-term capital appreciation. |
Global Equity Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.89%* |
20.17 |
8.99 |
4.58 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek long-term capital appreciation. |
Health Sciences Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
1.00%* |
4.26 |
10.56 |
10.94 |
To realize an above-average total return
over a market cycle of three to five years,
consistent with reasonable risk. |
High Yield Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Western Asset Management Company, LLC |
0.81%* |
12.87 |
4.95 |
3.58 |
To seek to track the performance of a
broad-based equity index of foreign
companies primarily in developed
countries and, to a lesser extent, in
emerging markets. |
International Equity Index Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/SSGA Funds Management, Inc. |
0.34%* |
15.42 |
6.97 |
3.71 |
To seek long-term capital appreciation. |
International Small Company Trust -
Series NAV
John Hancock Variable Trust Advisers
LLC/Dimensional Fund Advisors LP |
1.00%* |
13.59 |
7.06 |
4.27 |
To provide a high level of current income
consistent with the maintenance of
principal and liquidity. |
Investment Quality Bond Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.71%* |
6.57 |
1.41 |
2.00 |
To seek a balance between a high level of
current income and growth of capital,
with a greater emphasis on growth of
capital. |
Lifestyle Balanced Portfolio - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.64% |
13.72 |
6.96 |
5.41 |
To seek a high level of current income
with some consideration given to growth
of capital. |
Lifestyle Conservative Portfolio - Series
NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.66%* |
9.18 |
3.68 |
3.34 |
To seek long-term growth of capital.
Current income is also a consideration. |
Lifestyle Growth Portfolio - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.62% |
16.97 |
9.14 |
6.77 |
To seek a balance between a high level of
current income and growth of capital,
with a greater emphasis on income. |
Lifestyle Moderate Portfolio - Series
NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.65%* |
12.21 |
5.86 |
4.73 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek growth of capital and current
income while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Balanced Portfolio -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.76% |
12.00 |
4.67 |
3.86 |
To seek current income and growth of
capital, while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Conservative Portfolio
- Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.75% |
5.50 |
1.80 |
2.41 |
To seek long term growth of capital while
seeking to both manage the volatility of
return and limit the magnitude of
portfolio losses. |
Managed Volatility Growth Portfolio -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.79% |
13.81 |
5.25 |
3.76 |
To seek current income and growth of
capital while seeking to both manage the
volatility of return and limit the
magnitude of portfolio losses. |
Managed Volatility Moderate Portfolio -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.75% |
10.79 |
4.21 |
3.78 |
To seek long-term growth of capital. |
Mid Cap Growth Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.90% |
18.87 |
12.39 |
9.79 |
Seeks to approximate the aggregate total
return of a mid cap U.S. domestic equity
market index. |
Mid Cap Index Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.41%* |
16.00 |
12.20 |
8.86 |
To seek long-term capital appreciation. |
Mid Value Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
0.96%* |
18.65 |
13.09 |
9.35 |
To obtain maximum current income
consistent with preservation of principal
and liquidity. |
Money Market Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.28%* |
4.81 |
1.68 |
1.07 |
To seek maximum total return, consistent
with preservation of capital and prudent
investment management. |
Opportunistic Fixed Income Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.88%* |
8.21 |
2.72 |
2.22 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek to achieve a combination of long-
term capital appreciation and current
income. |
Real Estate Securities Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.76%* |
13.06 |
7.74 |
8.00 |
To seek long-term growth of capital.
Current income is incidental to the fund’s
objective. |
Science & Technology Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
0.99%* |
54.73 |
18.67 |
15.76 |
To seek income and capital appreciation. |
Select Bond Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.60%* |
6.15 |
1.39 |
1.92 |
To seek a high level of current income
consistent with preservation of capital.
Maintaining a stable share price is a
secondary goal. |
Short Term Government Income Trust -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.67%* |
3.87 |
0.51 |
0.66 |
Seeks to approximate the aggregate total
return of a small cap U.S. domestic equity
market index. |
Small Cap Index Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.48%* |
16.52 |
9.60 |
6.85 |
To seek long-term capital appreciation. |
Small Cap Opportunities Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Dimensional Fund Advisors LP and GW&K Investment Management, LLC |
0.84%* |
18.12 |
13.99 |
7.92 |
To seek long-term capital appreciation. |
Small Cap Stock Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
1.08%* |
16.31 |
11.18 |
7.43 |
To seek long-term capital appreciation. |
Small Cap Value Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Wellington Management Company LLP |
0.99%* |
14.07 |
8.85 |
6.07 |
To seek long-term growth of capital. |
Small Company Value Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/T. Rowe Price Associates, Inc. |
1.16%* |
13.52 |
9.25 |
6.59 |
To seek a high level of current income. |
Strategic Income Opportunities Trust -
Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.74%* |
7.53 |
3.31 |
2.85 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek to track the performance of the
Bloomberg U.S. Aggregate Bond Index
(the “Bloomberg Index”) (which
represents the U.S. investment grade bond
market). |
Total Bond Market Trust - Series NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.25%* |
5.29 |
0.81 |
1.58 |
Seeks to approximate the aggregate total
return of a broad U.S. domestic equity
market index. |
Total Stock Market Index Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (North America) Limited |
0.53%* |
25.58 |
14.44 |
10.78 |
The fund seeks a high level of current
income consistent with the maintenance
of liquidity and the preservation of
capital. |
Ultra Short Term Bond Trust - Series
NAV
John Hancock Variable Trust Advisers
LLC/Manulife Investment Management (US) LLC |
0.62%* |
4.74 |
1.61 |
1.09 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
Seeks to provide maximum capital
appreciation. |
M Capital Appreciation Fund
M Financial Investment Advisers,
Inc./Frontier Capital Management Company, LLC |
1.00% |
23.56 |
12.56 |
8.90 |
Seeks to provide long-term capital
appreciation. |
M International Equity Fund
M Financial Investment Advisers,
Inc./Dimensional Fund Advisors LP |
0.76% |
16.00 |
7.70 |
2.45 |
Seeks to provide long-term capital
appreciation. |
M Large Cap Growth Fund
M Financial Investment Advisers,
Inc./DSM Capital Partners LLC |
0.77% |
32.04 |
15.98 |
12.39 |
Seeks to provide long-term capital
appreciation. |
M Large Cap Value Fund
M Financial Investment Advisers,
Inc./Brandywine Global Investment Management, LLC |
0.65% |
7.60 |
10.16 |
6.96 |
The Portfolio seeks maximum real return
consistent with preservation of real
capital and prudent investment
management. |
PIMCO VIT All Asset Portfolio - Series
M
Pacific Investment Management
Company LLC/Research Affiliates, LLC |
2.49%* |
7.83 |
5.69 |
3.73 |
To seek to provide capital appreciation. |
TOPS® Aggressive Growth ETF - Class
2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC |
0.54% |
17.37 |
10.55 |
7.42 |
Investment Objective |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual
Total Returns
(as of 12/31/23) (%) | ||
1-Year |
5-Year |
10-Year | |||
To seek to provide income and capital
appreciation. |
TOPS® Balanced ETF - Class
2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC |
0.55% |
11.39 |
6.39 |
4.51 |
To seek to preserve capital and provide
moderate income and moderate capital
appreciation. |
TOPS® Conservative ETF - Class
2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC |
0.56% |
9.19 |
4.84 |
3.37 |
To seek to provide capital appreciation. |
TOPS® Growth ETF - Class
2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC |
0.54% |
16.09 |
9.48 |
6.54 |
To seek to provide capital appreciation. |
TOPS® Moderate Growth ETF - Class
2 ValMark Advisers, Inc./Milliman Financial Risk Management, LLC |
0.54% |
13.47 |
7.96 |
5.58 |
JOHN HANCOCK USA SERVICE OFFICE | |
Overnight Express Delivery |
Mail Delivery |
Life Post Issue – Specialty Products
John Hancock Insurance Company 372 University Ave, Suite #55979
Westwood, MA 02090 |
Life Post Issue—Specialty Products John Hancock Insurance Company PO Box 55979 Boston, MA 02205 |
Phone: |
|
1-800-448-1616 |
|
Name of Policy (and SEC EDGAR Identifier #)
|
Name of Policy (and SEC EDGAR Identifier #)
|
Accumulation SVUL (C000049287) |
Majestic VCOLIX (C000070692) |
Accumulation Survivorship Variable Universal Life 2020
(C000219141) |
Majestic VULX (C000067661) |
Accumulation Variable Universal Life (C000027512) |
Protection SVUL (C000049286) |
Accumulation Variable Universal Life 08 (C000069364) |
Protection Variable Universal Life (C000027516) |
Accumulation Variable Universal Life 2014 (C000141200) |
Protection Variable Universal Life 09 (C000076060) |
Accumulation Variable Universal Life 2019 (C000215816) |
Protection Variable Universal Life 2012 (C000113133) |
Accumulation Variable Universal Life 2021 (C000227597) |
Protection Variable Universal Life 2017 (C000190824) |
Accumulation Variable Universal Life 2021 Core (C000237559)
|
Protection Variable Universal Life 2021 (C000222896) |
EPVUL (C000027511) |
Protection Variable Universal Life 2023 (C000238482) |
Majestic Accumulation Variable Universal Life 2019
(C000215817) |
Simplified Life (C000142067) |
Majestic Accumulation Variable Universal Life 2021
(C000227598) |
SPVL (C000027514) |
Majestic Performance Variable Universal Life (C000027517)
|
Survivorship VUL (C000027515) |
Majestic Survivorship VULX (C000062401) |
VUL Accumulator (C000027510) |
Majestic Survivorship Variable Universal Life 2020
(C000219142) |
VUL Protector (C000027513) |
|
Page No. |
2 | |
2 | |
2 | |
2 | |
2 | |
2 | |
2 | |
3 | |
3 | |
3 | |
3 | |
3 |
Name and Principal Business Address |
Position with Depositor |
Brooks Tingle 200 Berkeley Street Boston, MA 02116 |
Chair, Director, President & Chief Executive Officer |
Nora Newton Crouch
804 Pepper Avenue Richmond, VA 23226 |
Director |
Thomas Edward Hampton
5207 2nd Street NW
Washington, DC 20011 |
Director |
J. Stephanie Nam 129 State Street Portsmouth, NH 03801 |
Director |
Ken Ross 200 Berkeley St. Boston, MA 02116 |
Director, Vice President |
Shamus Weiland 200 Bloor Street E. Toronto, ON M4W 1E5 |
Director |
Henry H. Wong 200 Berkeley Street Boston, MA 02116 |
Director, Vice President |
Executive Vice Presidents |
|
Andrew G. Arnott** |
Global Head of Retail, GWAM |
Christopher Paul Conkey** |
Global Head of Public Markets |
Scott S. Hartz** |
Chief Investment Officer – U.S. Investments |
Senior Vice Presidents |
|
John Addeo** |
Global Fixed Income Chief Investment Officer |
John C.S. Anderson** |
Global Head of Corporate Finance |
Kevin J. Cloherty** |
Deputy General Counsel, Global Markets |
Mike Dallas** |
Global Head of Employee Experience |
Aimee DeCamillo* |
Global Head of Retirement |
Peter DeFrancesco* |
Head of Digital – Direct to Consumer |
Michael F Dommermuth*** |
Head of Wealth & Asset Management |
Kristie Feinberg* |
Head of MIM US and Europe |
Maryscott Greenwood** |
Global Head of Regulatory & Public Affairs |
Len van Greuning* |
Chief Information Officer MIM |
Anne Hammer* |
Global Chief Communications Officer |
Name and Principal Business Address |
Position with Depositor |
John B Maynard** |
Deputy General Counsel, Legacy, Reinsurance & Tax |
Steven E. Medina** |
Global Equity Chief Investment Officer |
Joelle Metzman** |
GWAM Chief Risk Officer |
Sinead O’Connor* |
Head of Actuarial Policy |
Wayne Park* |
Head of US Retirement |
Gerald Peterson** |
Global Head of Operations, GWAM |
Nicole Rafferty*** |
Global Head of Contact Centers |
Susan Roberts* |
Head of LTC Customer Care Transformation |
Ian Roke** |
Global Head of Asset & Liability Management |
Thomas Samoluk** |
US General Counsel and US Government Relations |
Anthony Teta* |
US Head of Inforce Management |
Nathan Thooft** |
Global MAST Chief Investment Officer |
Anne Valentine-Andrews*** |
Global Head of Private Markets |
Blake Witherington** |
US Chief Credit Officer |
Vice Presidents |
|
Lynda Abend* |
|
Mark Akerson* |
|
Kenneth D’Amato** |
|
Jay Aronowitz** |
|
Kevin Askew** |
|
William Auger* |
|
Jack Barry* |
|
P.J. Beltramini* |
|
Zahir Bhanji*** |
|
Jon Bourgault** |
|
Paul Boyne** |
|
Ian B. Brodie** |
|
Ted Bruntrager* |
CCO & Chief Risk Officer |
Grant Buchanan*** |
|
Ginger Burns** |
|
Brendan Campbell* |
|
Yan Rong Cao* |
|
Rick A. Carlson** |
|
Patricia Rosch Carrington** |
|
Alex Catterick**** |
|
Ken K. Cha* |
|
Diana Chan*** |
Head of Treasury Operations |
Christopher M. Chapman** |
|
Sheila Chernicki* |
|
Teresa H. Chuang** |
|
Eileen Cloherty* |
|
Maggie Coleman*** |
|
Catherine Z. Collins** |
|
Meredith Comtois* |
|
Thomas D. Crohan** |
|
Susan Curry** |
|
Kenneth Dai*** |
Treasury |
Michelle M. Dauphinais* |
|
Frederick D Deminico** |
|
Susan P Dikramanjian** |
|
William D Droege** |
|
Jeffrey Duckworth** |
|
Marc Feliciano** |
|
Katie M. Firth** |
|
Carolyn Flanagan** |
|
Lauren Marx Fleming** |
|
Philip J. Fontana** |
|
Laura Foster*** |
|
Name and Principal Business Address |
Position with Depositor |
Matthew Gabriel* |
|
Paul Gallagher** |
|
Melissa Gamble** |
|
Scott B. Garfield** |
|
Marco Giacomelli*** |
|
Jeffrey N. Given** |
|
Thomas C. Goggins** |
|
Dara Gough* |
|
Howard C. Greene** |
|
Erik Gustafson** |
|
Neal Halder* |
|
Jeffrey Hammer*** |
|
Lindsay L. Hanson* |
|
Richard Harris*** |
Appointed Actuary |
Jessica Harrison*** |
|
John Hatch* |
Chief Operations Officer – US Segment |
Justin Helferich*** |
|
Michael Hession* |
|
Philip Huvos* |
|
Sesh Iyengar** |
|
Tasneem Kanji** |
|
Geoffrey Grant Kelley** |
|
Recep C. Kendircioglu** |
|
Neal P. Kerins* |
|
Michael P King*** |
|
Heidi Knapp** |
|
Hung Ko*** |
|
Robert Krempus*** |
|
Diane R. Landers** |
|
Michael Landolfi** |
|
Tracy Lannigan** |
Corporate Secretary |
Jessica Lee*** |
|
Scott Lively** |
|
David Loh*** |
|
Jeffrey H. Long** |
|
Jennifer Lundmark* |
|
Edward P. Macdonald** |
|
Patrick MacDonnell** |
|
Shawn McCarthy** |
|
Andrew J. McFetridge** |
|
Jonathan McGee** |
|
Katie L. McKay** |
|
Eric S. Menzer** |
|
Stella Mink*** |
|
Michelle Morey* |
|
Scott Morin* |
|
Catherine Murphy* |
Deputy Appointed Actuary |
Richard Myrus** |
|
Lisa Natalicchio* |
|
Jeffrey H. Nataupsky** |
|
Scott Navin** |
|
Jeffrey Packard** |
|
Pragya Pandit* |
|
Onay Payne*** |
|
Gary M. Pelletier** |
|
David Pemstein** |
|
Jessica Portelance*** |
|
Jason M. Pratt** |
|
Name and Principal Business Address |
Position with Depositor |
Ed Rapp** |
|
Todd Renneker** |
|
Chet Ritchie* |
|
Charles A. Rizzo** |
|
Emily Roland** |
|
Josephine M. Rollka* |
|
Barbara H. Rosen-Campbell** |
|
Caryn Rothman** |
|
Devon Russell* |
|
Paul Sanabria** |
|
Emory W. Sanders* |
|
Jeffrey R. Santerre** |
|
Marcia Schow** |
|
Christopher L. Sechler** |
|
Garima Vijay Sharma*** |
|
Estelle Shaw-Latimer*** |
|
Thomas Shea** |
|
Lisa Shepard** |
|
Alex Silva* |
CFO - US Insurance |
Susan Simi** |
|
Darren Smith** |
|
Jayanthi Srinivasan*** |
|
Brittany Straughn* |
|
Katherine Sullivan** |
|
Trevor Swanberg** |
|
Robert E. Sykes, Jr.** |
|
Wilfred Talbot* |
|
Gary Tankersley* |
Head of US Retirement Distribution |
Michelle Taylor-Jones* |
|
Brian E. Torrisi** |
|
Simonetta Vendittelli* |
Chief Financial Officer and Controller |
Gina Goldych Walters** |
|
Adam Weigold** |
|
Jonathan T. White** |
|
Bryan Wilhelm* |
|
Karin Wilsey** |
|
Adam Wise** |
|
Jeffrey Wolfe** |
|
Thomas Zakian** |
|
Michael Zargaj* |
|
Name of Investment Company |
Capacity in Which Acting |
John Hancock Variable Life Account S |
Principal Underwriter |
John Hancock Variable Life Account U |
Principal Underwriter |
John Hancock Variable Life Account V |
Principal Underwriter |
John Hancock Variable Life Account UV |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account R |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account T |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account W |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account X |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account Q |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account A |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account N |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account H |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account I |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account J |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account K |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account L |
Principal Underwriter |
John Hancock Life Insurance Company (U.S.A.) Separate Account M |
Principal Underwriter |
John Hancock Life Insurance Company of New York Separate Account B |
Principal Underwriter |
John Hancock Life Insurance Company of New York Separate Account A |
Principal Underwriter |
Name |
Title |
Rick Carlson** |
Vice President, US Taxation |
Jeffrey H. Long** |
Vice President, Chief Financial Officer and Financial Operations Principal |
Edward P. Macdonald** |
Vice President, General Counsel |
Gary Tankersley* |
Director, Chair, President and Chief Executive Officer |
Alex Silva* |
Director |
Christopher Walker*** |
Director, Vice President, Investments |
Tracy Lannigan** |
Vice President, Corporate Secretary |
(1) |
(2) |
(3) |
(4) |
(5) |
Name of Principal
Underwriter |
Net Underwriting
Discounts and Commissions |
Compensation on Events
Occasioning the Deduction
of a Deferred Sales Load |
Brokerage Commissions |
Other Compensation |
John Hancock Distributors LLC |
$0 |
$0 |
$0 |
$0 |
|
|
/s/Michael A. Ramirez Michael A. Ramirez, as Attorney-In-Fact |
|
|
|
Signatures |
Title |
* Simonetta Vendittelli |
Vice President, Controller, and Chief Financial Officer |
* Brooks Tingle |
Chair, Director, President and Chief Executive Officer |
* Nora N. Crouch |
Director |
* Thomas Edward Hampton |
Director |
* J. Stephanie Nam |
Director |
* Ken Ross |
Director |
* Shamus Weiland |
Director |
* Henry H. Wong |
Director |
/s/Michael A. Ramirez Michael A. Ramirez, as Attorney-In-Fact |
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