Stable Value Fund - bcomplete.com

1 Stable Value FundAS OF 2018-09-30 INVESTMENT STRATEGY: The fund typically invests in a diversified portfolio of high quality bonds, including Governmentsecurities, corporate bonds, mortgage-backed and asset-backed securities and cash equivalents. The fund may invest in such securitiesdirectly or indirectly through commingled investment vehicles. This building block strategy may provide greater diversification than couldbe achieved by investing in individual bonds. This building block strategy also may reduce the unintended impact on portfoliocharacteristics created by participant cash flow.

2 The fund s non-cash portfolio holdings are generally wrapped by investmentcontracts (also known as wrap contracts) issued by high quality financial institutions such as insurance companies and banks. The wrapcontracts permit book Value withdrawals and book Value accounting treatment for the underlying assets under certain conditions. Theinterest rate paid by the fund is a blend of the rates calculated in accordance with all of the contracts in the fund . Each contract sinterest rate reflects the earnings rates of the assets it wraps, adjusted for differences between actual and expected to the contract interest rate may reduce a contract s yield to zero, but it cannot fall below zero.

3 By design, the fund sblended interest rate should change in the direction of new investment rates. Over time, the fund s returns are expected to becomparable to the returns generated by intermediate-term, high quality Category:CashPORTFOLIO DETAILSI nception Date2000-04-01 Gross Expense Ratiof1 (%) Expense Ratiof1 (%) Total Net Assets ($M) TEN HOLDINGS AS OF 2018-09-30% of AssetsInvesco Fujitsu Stable Fed Money RISKSP rincipal Risks include: Capital Preservation and Private disclosure for Annual Total Returns %As of 2018-09-30 YTD1 Year3 Year5 Year10 YearSinceInceptionStable Value Barclays US 1-3 data quoted represents past performance.

4 Past performance is no guarantee of future results. Due to marketvolatility, current performance may be less or higher than the figures shown. Investment return and principal Value willfluctuate so that upon redemption, shares may be worth more or less than their original cost. Performance data does not reflectdeduction of redemption fee, which, if such fee exists, would lower performance. For current to the most recent month-endperformance information, please log onto or call a John Hancock representative at (800) Snapshotb2 (%) Fujitsu Stable Fed Money Marketf1.

5 The Gross Expense Ratio does not include fee waivers or expensereimbursements which result in lower actual cost to the investor. TheNet Expense Ratio represents the effect of a fee waiver and/orexpense reimbursement and is subject to support services are provided by John Hancock and DisclosuresImportant NotesOther:b2. The portfolio composition, industry sectors, top ten holdings, and credit analysis arepresented to illustrate examples of securities that the fund has bought and diversity of areas inwhich the fund may invest and may not be representative of the fund 's current or futureinvestments.

6 The top ten holdings do not include money market instruments and/or futurescontracts. The figures presented are as of date shown, do not include the fund 's entireinvestment portfolio, and may change at any Description:i14. Bloomberg Barclays US 1-3 Year Government Index is an unmanaged index generallyrepresentative of government and agency securities with a maturity from one year up to, butnot including, three years. Results assume the reinvestment of all capital gain and dividenddistributions. An investment cannot be made directly into an RisksCapital Preservation: The fund seeks capital preservation, but there can be no assurances that itwill achieve this fund : The fund is not a mutual fund and is privately offered.

7 Prospectuses are notrequired and prices are not available in local publications.