Discover our different approach

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All data is as of 9/30/15 unless otherwise noted. 1 The New York Times, 1999.

2 $77 billion in retail mutual fund assets and $50 billion in retirement assets, excluding non-John Hancock 529 plan assets. 3 Includes money markets, hybrid funds, and ETFs held by fund-of-fund portfolios that are overseen by John Hancock Investments. 4 Data is as of 6/30/15, the most recent available.

From our earliest days as a four-person

operation on Boston’s State Street,

John Hancock has grown to include

a diversified global investment firm.

The New York Times named

John Hancock one of the most

powerful brands of the 20

th

_century.

1

150 years of promises kept

Diverse capabilities to help serve our clients

A trusted brand

John Hancock Investments is a premier asset manager representing one of America’s most trusted

brands, with a heritage of financial stewardship dating back to 1862. Helping our shareholders pursue

their financial goals is at the core of everything we do. It’s why we support the role of professional

financial advice and operate with the highest standards of conduct and integrity.

Mutual

funds

ETFs

Closed-end

funds

16%

International equity

Nearly $127 billion in assets

under management across

asset classes

2

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Part of a global

financial organization

John Hancock is the U.S. division

of Manulife Financial Corporation.

The merger of Manulife Financial

and John Hancock in 2004 created

a global financial leader offering

the full range of capabilities to

clients worldwide.

➤

$708 billion in assets

under management

4

➤

Over 1,000 institutional

client accounts

➤

2.7 million plan participants

at 55,000 retirement plans

➤

4.2 million shareholder

accounts

➤

32,000 employees serving

clients in 22 countries and

territories worldwide

Diverse capabilities to help serve our clients

College

savings

Managed

accounts

Retirement

portfolios

UCITS

funds

“

As an investment firm, upholding the proud tradition

of John Hancock comes down to one thing: putting

shareholders first. We believe that if our shareholders

are successful, then we will be successful.”

Andrew G. Arnott

President and Chief Executive Officer John Hancock Investments

16%

International equity

24%

Fixed income

5%

Other

3

13%

Alternative and specialty

42%

U.S. equity

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A better way to invest

We build funds based on investor needs, then search the world to find proven portfolio teams with

specialized expertise in those strategies. As a manager of managers, we apply vigorous oversight to ensure

that they continue to meet our uncompromising standards and serve the best interests of our shareholders.

Our team of 175+ professionals who specialize in manager

research and oversight vets more than 250 new strategies

and holds over 100 in-person oversight meetings with

managers annually.

Representative list of asset managers shows managers of stand-alone funds only. All data is as of 9/30/15. All logos are the property of their respective owners.

75 proven portfolio teams

27 elite asset managers

P Z E N A I N V E S T M E N T M A N A G E M E N T, L L C PMS 876 metallic PMS 289

1988

1990

1992

1994

1996

1998

2000

2002

2004

2006

2008

2010

2012

2014

1969

Manager-of-managers

model introduced

Target-risk

portfolios

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Our process: guided

by a commitment to

financial stewardship

Representative list of asset managers shows managers of stand-alone funds only. All data is as of 9/30/15. All logos are the property of their respective owners.

Identify investor needs

We leverage our experience

building asset allocation

portfolios to spot potential

opportunities or risks

given changing markets.

Search the world for the

right asset managers

Because no single manager

can do it all, our investment

lineup brings together

specialized managers with

proven track records and

skill sets.

Build the performance

blueprint

Each fund we offer is

built around a set of

performance expectations

that defines its role in

a diversified portfolio.

Monitor investments

for consistency and risk

Our independence and

experience as a manager

of managers help us

ensure that our funds

continue to meet our

uncompromising standards.

1

2

3

4

111 investment strategies

27 elite asset managers

Epoch Investment Partners, Inc.

1988

1990

1992

1994

1996

1998

2000

2002

2004

2006

2008

2010

2012

2014

Alternative Asset

Allocation Fund

Target-date

portfolios

4 5

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Specialized managers worldwide

We believe investors benefit from a combination of specialized expertise, a diversity of investment ideas,

and strong oversight. Our unique structure enables us to search the world to find proven portfolio teams

with the skills, track records, and experience for every fund we offer.

Baillie Gifford—Established global manager employing active, growth-oriented strategies that rely

on fundamental analysis and concentrated portfolios to seek long-term results

Barrow, Hanley, Mewhinney & Strauss—Traditional, value-oriented manager following a

disciplined investment process for over 30 years that employs fundamental research to find

undervalued opportunities

Boston Partners (part of Robeco Investment Management)—Specialist in traditional value

equity investing based on a time-tested investment process developed in the 1980s that emphasizes

investing in companies with attractive value characteristics, strong business fundamentals, and

positive business momentum

Brandywine Global Investment Management—Institutional boutique manager that focuses

on value investing across equity, global, fixed-income, and alternative asset classes

Dimensional Fund Advisors—A pioneer in applying insight from academic research to a

systematic investment process that pursues higher expected returns through advanced portfolio

design and implementation

Epoch Investment Partners—Manager of a unique equity strategy that seeks strong risk-adjusted

returns by emphasizing companies that generate growth of free cash flow, the intelligent use of that

cash flow, and strong management teams with a track record of delivering returns to shareholders,

such as cash dividends, share buybacks, and debt reduction

Fiduciary Management Associates—Specialist in small- to mid-cap value equity strategies,

employing a balanced approach that combines sector allocation rooted in macroeconomic themes

with security selection driven by company-level research

First Quadrant—Boutique manager of currency strategies for over 20 years, employing a

systematic, theory-based process emphasizing dynamic allocation to profit from market inefficiencies

GMO—Pioneer of global investment strategies that blend traditional fundamental and quantitative

methods to find undervalued securities and markets

All logos are the property of their respective owners. Representative list of asset managers is as of 9/30/15.

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GW&K Investment Management—Boutique manager using both fundamental research and

quantitative screening to identify high-quality small companies with sustainable, above-average

earnings growth in niche markets

Invesco Advisers—Global manager delivering a diverse set of investment vehicles across major

equity, fixed-income, and alternative asset classes

Jennison Associates—Diversified manager with specialized equity and fixed-income investment

teams conducting original, fundamental research on companies, sectors, and markets

John Hancock Asset Management—Established asset manager with global resources and

expertise extending across equity, fixed-income, and alternative investments as well as asset

allocation strategies

P Z E N A I N V E S T M E N T M A N A G E M E N T, L L C

Pzena Investment Management—Global investment manager employing a classic deep value

equity strategy that seeks to generate excess long-term returns by focusing on good businesses

trading at temporarily depressed prices

Standard Life Investments—Asset manager that provides innovative solutions in global multi-

asset portfolios with special expertise in absolute return investing and disciplined risk management

Stone Harbor Investment Partners—Specialist in fixed-income investing with expertise covering

a broad range of global credit segments, including high-yield and emerging-market debt

PMS 876 metallic

PMS 289

Sustainable Growth Advisers—Boutique investment manager focused on high-conviction

growth stock investing in U.S. and global large-cap equities

T. Rowe Price—Long-tenured manager offering expertise across asset classes and a risk-aware

style of investing built on fundamental, in-house research on a global scale

Wellington Management—Long-established global asset manager investing across the equity,

fixed-income, currency, and commodity markets, including multistrategy, specialty, and alternative

investment approaches

Western Asset Management Company—Fixed-income specialist with expertise in credit

investing, including senior floating-rate bank loans, and a team-based management approach

emphasizing long-term, fundamental, value-oriented investing

All logos are the property of their respective owners. Representative list of asset managers is as of 9/30/15.

“

By thoroughly vetting each manager, and setting a high bar

for long-term risk-adjusted performance, we strive to be

exceptional stewards of capital for our fund shareholders.”

Leo M. Zerilli, CIMA

Head of Investments John Hancock Investments

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All investments involve risk, including the possible loss of principal. The stock prices of midsize and small companies can change more frequently and dramatically than those of large companies. Growth stocks may be more susceptible to earnings disappointments, and value stocks may decline in price. Large company stocks could fall out of favor, and foreign investing, especially in emerging markets, has additional risks, such as currency and market volatility and political and social instability. Fixed-income investments are subject to interest-rate and credit risk; their value will normally decline as interest rates rise or if a creditor is unable or unwilling to make principal or interest payments. Investments in higher-yielding, lower-rated securities include a higher risk of default. Certain market conditions, including reduced trading volume, heightened volatility, and rising interest rates, may impair liquidity, the ability of the fund to sell securities or close derivative positions at advantageous prices. Municipal bonds could decline due to issues at the state or project level, and funds that invest in one state could be disproportionately affected. Capital gains, if any, are taxable, and some municipal bond investors may also be subject to the Alternative Minimum Tax. Please see the funds’ prospectuses for additional risks.

Results for investors

Our unique approach to asset management enables us to provide a diverse set of investments backed

by some of the world’s best managers, along with strong risk-adjusted returns across asset classes.

4- and 5-star Morningstar ratings (Class A) as of 9/30/15

DOMESTIC EQUITY FUNDS Managed by Category

Morningstar rating

Load waived Overall Balanced Fund (SVBAX) John Hancock Asset Management Moderate allocation

_HHHH

Rated 4 and 3 stars for 3 years out of 838 funds, 3 and 3 stars for 5 years out of 722 funds, and 5 and 4 stars for 10 years out of 481 funds.

Blue Chip Growth Fund (JBGAX) T. Rowe Price Large growth

_HHHHH

_HHHH

Rated 5 and 3 stars for 3 years out of 1,519 funds and 5 and 4 stars for 5 years out of 1,339 funds.

Disciplined Value Fund (JVLAX) Boston Partners Large value

_HHHH

Rated 3 and 3 stars for 3 years out of 1,211 funds, 4 and 3 stars for 5 years out of 1,071 funds, and 4 and 4 stars for 10 years out of 744 funds.

Disciplined Value Mid Cap Fund1_(JVMAX) _{Boston Partners} _{Mid-cap value}

HHHHH

Rated 5 and 5 stars for 3 years out of 425 funds, 5 and 5 stars for 5 years out of 368 funds,

and 5 and 5 stars for 10 years out of 250 funds.

Fundamental All Cap Core Fund (JFCAX) John Hancock Asset Management Large growth

_HHHH

_HHH

Rated 4 and 3 stars for 3 years out of 1,519 funds.

Fundamental Large Cap Value Fund (JFVAX) John Hancock Asset Management Large value

_HHHH

_HHH

Rated 4 and 3 stars for 3 years out of 1,211 funds.

Large Cap Equity Fund (TAGRX) John Hancock Asset Management Large blend

_HHHH

Rated 4 and 3 stars for 3 years out of 1,391 funds, 2 and 2 stars for 5 years out of 1,242 funds, and 5 and 5 stars for 10 years out of 878 funds.

Small Company Fund (JCSAX) Fiduciary Management Associates Small blend

_HHHH

_HHH

GLOBAL AND INTERNATIONAL EQUITY FUNDS

Disciplined Value International Fund (JDIBX) Boston Partners Foreign large value

_HHHHH

_HHHH

Rated 5 and 4 stars for 3 years out of 289 funds.

Global Shareholder Yield Fund (JGYAX) Epoch Investment Partners World stock

_HHHH

_HHH

Rated 3 and 2 stars for 3 years out of 1,001 funds and 4 and 3 stars for 5 years out of 758 funds.

Greater China Opportunities Fund (JCOAX) John Hancock Asset Management China region

_HHHH

_HHH

Rated 4 and 3 stars for 3 years out of 77 funds and 4 and 3 stars for 5 years out of 65 funds.

International Growth Fund (GOIGX) Wellington Management Foreign large growth

_HHHHH

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34 funds rated 4 or 5 stars

by Morningstar at the

highest rated share class

2,3

Ranked number 2 out of 48

asset managers by Barron’s for

10-year returns through 2014

4

77% of funds outperformed their

Morningstar category averages

over the past 10 years

5

1 As of 1/31/14, the fund is closed to new investors. 2 As of 9/30/15. Includes mutual fund rankings/ratings only. Out of 71 funds rated by Morningstar, 8 funds received a 5-star overall rating and 26 funds received a 4-star overall rating. Ratings are counted at the highest-rated share class. 3 For each fund with at least a three-year history, Morningstar calculates a Morningstar rating based on a Morningstar Risk-Adjusted Return that accounts for variation in a fund’s monthly performance (including effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10.0% of funds in each category, the next 22.5%, 35.0%, 22.5%, and the bottom 10.0% receive 5, 4, 3, 2, or 1 star(s), respectively. (Each share class is counted as a fraction of one fund within this scale and is rated separately, which may cause slight variations in the distribution percentages.) The overall Morningstar rating for a fund is derived from a weighted average of the performance associated with its 3-, 5-, and 10-year (if applicable) Morningstar rating metrics. Past performance does not guarantee future results. 4 The Barron’s/Lipper Fund Family Ranking, published 2/7/15, ranked John Hancock Group 40 out of 65 for 2014 for the 1-year period with funds in five categories: U.S. equity, world equity, mixed asset, taxable bond, and tax-exempt bond. John Hancock ranked 18 out of 56 and 2 out of 48 for the 5- and 10-year periods, respectively, ended in 2014. Only funds with at least one year of performance were included. Returns were calculated minus the effects of sales charges and the Rule 12b-1 fees. Rankings were asset weighted, so larger funds had a greater impact on a fund family’s overall ranking, and then weighted by category, with each category assigned a percentage. Past performance does not guarantee future results. Barron’s is a registered trademark of

Dow Jones & Company. 5 Morningstar, as of 9/30/15.

INCOME FUNDS Managed by Category

Morningstar rating

Load waived Overall Bond Fund (JHNBX) John Hancock Asset Management Intermediate-term bond

_HHHHH

_HHHH

California Tax-Free Income Fund (TACAX) John Hancock Asset Management Muni California long

_HHHH

_HHH

Core High Yield Fund (JYIAX) John Hancock Asset Management High yield bond

_HHHH

_HHH

Income Fund (JHFIX) John Hancock Asset Management Multisector bond

_HHHH

Investment Grade Bond Fund (TAUSX) John Hancock Asset Management Intermediate-term bond

_HHHH

_HHH

Strategic Income Opportunities Fund (JIPAX) John Hancock Asset Management Multisector bond

_HHHH

_HHH

ALTERNATIVE AND SPECIALTY FUNDS

Global Absolute Return Strategies Fund (JHAAX) Standard Life Investments Multialternative

_HHHH

_HHH

Rated 4 and 3 stars for 3 years out of 227 funds.

Regional Bank Fund (FRBAX) John Hancock Asset Management Financial

HHHH

HHH

Overall rating is based on 3-, 5-, and 10-year, if applicable, Morningstar Risk-Adjusted Returns and accounts for variation in a fund’s monthly performance. The overall rating includes effects of sales charges, loads, and redemption fees, while the load-waived rating does not. Load-waived ratings for Class A shares should only be considered by

investors who are not subject to a front-end sales charge. Contact your financial professional to determine whether you are eligible to purchase Class A shares without

paying the front load. Other classes may be rated differently.2

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DOMESTIC EQUITY FUNDS Managed by A C I R6

Balanced John Hancock Asset Management SVBAX SVBCX SVBIX JBAWX

Blue Chip Growth T. Rowe Price JBGAX JBGCX

Classic Value Pzena Investment Management PZFVX JCVCX JCVIX JCVWX Disciplined Value Boston Partners JVLAX JVLCX JVLIX JDVWX Disciplined Value Mid Cap1 _{Boston Partners} _JVMAX _JVMCX _JVMIX _JVMRX

Equity Income T. Rowe Price JHEIX JHERX

Fundamental All Cap Core John Hancock Asset Management JFCAX JFCCX JFCIX JFAIX Fundamental Large Cap Core2 _{John Hancock Asset Management} _JFLAX _JFLIX

Fundamental Large Cap Value John Hancock Asset Management JFVAX JFVCX JFVIX JFLVX Large Cap Equity John Hancock Asset Management TAGRX JHLVX JLVIX JLCWX New Opportunities Brandywine Global Investment Management/Dimensional Fund Advisors/

Gannett Welsh & Kotler/Invesco Advisers

JASOX JBSOX JHSOX JWSOX

Select Growth Baillie Gifford RGROX RGRCX RLGIX RGRUX Small Cap Equity John Hancock Asset Management SPVAX SPVCX SPVIX SPVSX Small Cap Value Wellington Managment JSCAX JSCBX JSCCX Small Company Fiduciary Management Associates JCSAX JCSIX JCSWX Strategic Growth John Hancock Asset Management JSGAX JSGCX JSGIX JSGTX

U.S. Equity GMO JHUAX JHUCX JHUIX

U.S. Global Leaders Growth Sustainable Growth Advisers USGLX USLCX USLIX UGLSX Value Equity Barrow, Hanley, Mewhinney & Strauss JVEAX JVECX JVEIX JVERX

GLOBAL AND INTERNATIONAL EQUITY FUNDS

Disciplined Value International Boston Partners JDIBX JDICX JDVIX JDIUX Emerging Markets Dimensional Fund Advisors JEVAX JEVCX JEVIX JEVRX Emerging Markets Equity John Hancock Asset Management JEMQX JEMZX JEMMX JEMGX Global Equity John Hancock Asset Management JHGEX JGECX JGEFX JGEMX Global Shareholder Yield Epoch Investment Partners JGYAX JGYCX JGYIX JGRSX Greater China Opportunities John Hancock Asset Management JCOAX JCOCX JCOIX

International Core GMO GIDEX GOCCX GOCIX JICEX

International Growth Wellington Management GOIGX GONCX GOGIX JIGTX International Small Company Dimensional Fund Advisors JISAX JISDX JSCIX

International Value Equity John Hancock Asset Management JIEAX JIEVX JIEEX JIVUX

INCOME FUNDS

Bond John Hancock Asset Management JHNBX JHCBX JHBIX JHBSX California Tax-Free Income John Hancock Asset Management TACAX TCCAX

Core High Yield John Hancock Asset Management JYIAX JYICX JYIIX JHCHX Emerging Markets Debt John Hancock Asset Management JMKAX JMKCX JMKIX JEMIX Floating Rate Income Western Asset Management Company JFIAX JFIGX JFIIX JFIRX Focused High Yield John Hancock Asset Management JHHBX JHYCX JYHIX Global Income Stone Harbor Investment Partners JYGAX JYGIX Government Income John Hancock Asset Management JHGIX TCGIX High Yield Municipal Bond John Hancock Asset Management JHTFX JCTFX

Income John Hancock Asset Management JHFIX JSTCX JSTIX JSNWX Investment Grade Bond John Hancock Asset Management TAUSX TCUSX TIUSX JIGEX

John Hancock family of funds

Whether incorporated in our asset allocation portfolios or as stand-alone funds, our diverse lineup

of strategies is designed to maximize diversification benefits with a range of specialized expertise.

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John Hancock family of funds

Whether incorporated in our asset allocation portfolios or as stand-alone funds, our diverse lineup

of strategies is designed to maximize diversification benefits with a range of specialized expertise.

Benefit from a range of

active and passive strategies

➤

We believe investors benefit

from a combination of active

and passive strategies in

their portfolios. That’s why

we offer both.

➤

John Hancock’s actively managed

retirement portfolios have

featured a blend of active and

passive strategies since 2005.

➤

That same thinking is what led

us to team up with Dimensional

Fund Advisors—a company

regarded as one of the pioneers

in strategic beta investing—and

introduce the passively managed

John Hancock Multifactor ETFs.

Potential applications for

active and passive strategies

Active Passive Core, flexible holding Low-cost exposure to efficient markets Noncorrelated sources of return Precise, tactical exposure to certain asset classes Active risk management Overall portfolio cost reduction

INCOME FUNDS (CONTINUED) Managed by A C I R6

Money Market John Hancock Asset Management JHMXX JMCXX

Short Duration Credit Opportunities Stone Harbor Investment Partners JMBAX JMBCX JMBIX JSDEX Spectrum Income T. Rowe Price JHSIX JHSRX

Strategic Income Opportunities John Hancock Asset Management JIPAX JIPCX JIPIX JIPRX Tax-Free Bond John Hancock Asset Management TAMBX TBMBX

ALTERNATIVE AND SPECIALTY FUNDS

Absolute Return Currency First Quadrant JCUAX JCUCX JCUIX JCURX Alternative Asset Allocation John Hancock Asset Management JAAAX JAACX JAAIX JAARX Enduring Assets3 _{Wellington Management} _JEEBX _JEEFX _JEEIX _JEEDX

Financial Industries John Hancock Asset Management FIDAX FIDCX

Global Absolute Return Strategies Standard Life Investments JHAAX JHACX JHAIX JHASX Global Conservative Absolute Return Standard Life Investments JHRAX JHRCX JHRIX JHRRX Natural Resources4 _{Jennison Associates} _JNRAX _JNRIX _JRNRX

Redwood Boston Partners JTRAX JTRCX JTRIX JTRRX Regional Bank John Hancock Asset Management FRBAX FRBCX

Seaport Wellington Management JSFBX JSFTX JSFDX JSFRX Technical Opportunities Wellington Management JTCAX JTCDX JTCIX

ASSET ALLOCATION

Income Allocation Fund John Hancock Asset Management JIAFX JIAGX JIAIX JIASX Lifestyle Aggressive Portfolio John Hancock Asset Management JALAX JCLAX JTAIX JULAX Lifestyle Balanced Portfolio John Hancock Asset Management JALBX JCLBX JTBIX JULBX Lifestyle Conservative Portfolio John Hancock Asset Management JALRX JCLCX JTOIX JULCX Lifestyle Growth Portfolio John Hancock Asset Management JALGX JCLGX JTGIX JULGX Lifestyle Moderate Portfolio John Hancock Asset Management JALMX JCLMX JTMIX JULMX Retirement Living Portfolios John Hancock Asset Management

EXCHANGE-TRADED FUNDS Index provider Ticker

John Hancock Multifactor Consumer Discretionary ETF Dimensional Fund Advisors JHMC John Hancock Multifactor Financials ETF Dimensional Fund Advisors JHMF John Hancock Multifactor Healthcare ETF Dimensional Fund Advisors JHMH John Hancock Multifactor Large Cap ETF Dimensional Fund Advisors JHML John Hancock Multifactor Mid Cap ETF Dimensional Fund Advisors JHMM John Hancock Multifactor Technology ETF Dimensional Fund Advisors JHMT

1 As of 1/31/14, the fund is closed to new investors. 2 As of 10/23/15, the fund is closed to new investors, with certain exceptions. 3 Prior to 8/31/15, the fund was named John Hancock Enduring Equity Fund. 4 As of 8/29/14, the fund is closed to new investments. Not all funds are available for sale at all firms. The funds listed above have associated risks. Please see the prospectuses for more information.

John Hancock Multifactor ETF shares are bought and sold at market price (not NAV), and are not individually redeemed from the fund. Brokerage commissions will reduce returns.

John Hancock ETFs are distributed by Foreside Fund Services, LLC, and are subadvised by Dimensional Fund Advisors LP. Foreside is not affiliated with John Hancock Funds, LLC or Dimensional Fund Advisors LP.

Dimensional Fund Advisors LP receives compensation from John Hancock in connection with licensing rights to the John Hancock Dimensional indexes. Dimensional Fund Advisors LP does not sponsor, endorse, or sell, and makes no representation as to the advisability of investing in, John Hancock Multifactor ETFs.

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John Hancock Funds, LLC Member FINRA, SIPC

601 Congress Street Boston, MA 02210-2805 800-225-5291 jhinvestments.com

NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY.

MF256796 JHAN-2015-10-15-0099 CAPBR 10/15

Connect with John Hancock Investments: @JH_Investments | jhinvestmentsblog.com