General Amendment To Be Attached To and Read as. Part of the Group Annuity Contract. Issued By

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1 General Amendment To Be Attached To and Read as Part of the Group Annuity Contract Issued By John Hancock Life Insurance Company (U.S.A.) (herein called the Company) In accordance with the provisions under the Contract Section of your Group Annuity Contract, the following changes have been made. Details are outlined in the attached Rider(s) SEPARATE ACCOUNT RIDER CHANGES The Separate Account Rider(s) currently included in your contract are hereby stricken and replaced with the attached updated Separate Account Rider(s), which now include all sub-account investment options available to your contract. The updated Separate Account Rider(s) have been revised in accordance with our regular investment line-up due diligence practices. Please attach the enclosed updated Rider(s) to your Contract. All of the investment options (sub-accounts) included in the applicable Separate Account Rider(s) are available immediately, however, the Company requires the Contractholder to select the actual investment funds in which contributions are invested. All other terms and provisions of this Contract that have not been amended as shown in the attached Rider(s) will remain unchanged. This amendment will take effect as of June 15th, Signed at the Head Office of the Company on July 1st, President JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) AFL2.1

2 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) SEPARATE ACCOUNT B RIDER The following Sub-Accounts are available under Separate Account B subject to agreement between the Contractholder and the Company: AGGRESSIVE GROWTH Aberdeen International Equity Fund American Beacon Small Cap Value Fund American Century Emerging Markets Fund American Century Heritage Fund Baird MidCap Fund Columbia Overseas Value Fund DFA Emerging Markets Value Fund DFA International Small Cap Value Fund DFA International Value Fund DFA U.S. Targeted Value Fund DFA US Small Cap Fund Dodge & Cox International Stock Fund 11 Domini Impact International Equity Fund Eagle Mid Cap Growth Fund Eaton Vance Atlanta Capital SMID-Cap Fund Federated MDT Small Cap Growth Fund Fidelity International Index Fund 1 Fidelity Real Estate Index Fund 1 Financial Industries Fund Franklin Small-Mid Cap Growth Fund Hartford MidCap Fund Hartford Schroders International Multi-Cap Value Fund International Equity Index Fund 1 International Small Cap Fund 9 International Value Fund Invesco Small Cap Growth Fund ishares Gold Trust ETF 1 ishares MSCI EAFE Value ETF 1 Ivy International Core Equity Fund Ivy Small Cap Core Fund Janus Enterprise Fund 14 Janus Global Life Sciences Fund John Hancock Disciplined Value International Fund Keeley Small Cap Value Fund Lazard International Equity Fund MFS Mid Cap Growth Fund Mid Cap Stock Fund Natural Resources Fund New Opportunities Fund New World Fund Northern Emerging Markets Equity Index Fund 1 Northern Small Cap Value Fund Nuveen Small Cap Value Fund Oppenheimer Developing Markets Fund 6 Pax Small Cap Fund PIMCO Commodity Real Return Strategy Fund Prudential Jennison Mid Cap Growth Fund 7 Prudential Jennison Small Company Fund Real Estate Securities Fund Royce Opportunity Fund Royce Pennsylvania Mutual Fund Science & Technology Fund Small Cap Growth Fund Small Cap Index Fund 1 Small Cap Value Fund Small Company Value Fund T. Rowe Price Health Sciences Fund 12 T. Rowe Price International Value Equity Fund T. Rowe Price Overseas Stock Fund T. Rowe Price QM US Small-Cap Growth Equity Fund T.Rowe Price Science & Technology Fund T. Rowe Price Small Cap Value Fund TIAA-CREF Small-Cap Blend Index Fund 1 Tocqueville Gold Fund Undiscovered Managers Behavioral Value Fund Vanguard Energy Fund Vanguard Explorer Fund Vanguard Materials Index Fund 1 Vanguard Mid-Cap Growth ETF 1 Vanguard Small Cap Growth Index Fund 1 Vanguard Small Cap Value Index Fund 1 Vanguard Total International Stock Index Fund 1 Wells Fargo Small Company Growth Fund WisdomTree SmallCap Dividend ETF 1 GROWTH 500 Index Fund 1 AB Large Cap Growth Fund American Beacon Bridgeway Large Cap Value Fund American Century Value Fund American Funds AMCAP Fund AMG Managers Fairpointe Mid Cap Fund BlackRock Basic Value Fund Blue Chip Growth Fund Capital Appreciation Fund Capital World Growth and Income Fund ClearBridge Aggressive Growth Fund ClearBridge Large Cap Growth Fund ClearBridge Mid Cap Fund Columbia Contrarian Core Fund Columbia Dividend Income Fund DFA Global Equity Fund DFA International Small Company Fund Diamond Hill Small-Mid Cap Fund Dodge & Cox Stock Fund Domini Impact Equity Fund Equity Income Fund EuroPacific Growth Fund Fidelity Advisor Diversified Stock Fund Fidelity Advisor Leveraged Company Stock Fund Fidelity Advisor New Insights Fund Fidelity Contra Fund Fidelity Mid Cap Index Fund 1 Franklin Growth Fund GP of 6

3 Franklin Mutual Beacon Fund Franklin Mutual Global Discovery Fund Fundamental All Cap Core Fund Fundamental Investors Fundamental Large Cap Value Fund Harbor Mid Cap Value Fund Invesco Diversified Dividend Fund Invesco International Growth Fund ishares MSCI EAFE Growth ETF 1 John Hancock Disciplined Value Fund John Hancock Disciplined Value Mid Cap Fund 8 John Hancock Fundamental Global Franchise Fund John Hancock Fundamental Large Cap Core Fund John Hancock International Growth Fund JPMorgan Intrepid Mid Cap Fund JPMorgan Large Cap Growth Fund JPMorgan Mid Cap Value Fund JPMorgan U.S. Equity Fund Lord Abbett Value Opportunities Fund Massachusetts Investors Fund MFS Blended Research Core Equity Fund MFS Mid Cap Value Fund MFS Value Fund Mid Cap Index Fund 1 Mid Value Fund New Perspective Fund Oppenheimer Global Fund Oppenheimer International Growth Fund Oppenheimer Main Street Mid Cap Fund Parnassus Core Equity Fund Parnassus Endeavor Fund GROWTH & INCOME American Balanced Fund BlackRock Global Allocation Fund Capital Income Builder Deutsche Global Infrastructure Fund Fidelity Advisor Balanced Fund Franklin Founding Funds Allocation Fund Ivy Asset Strategy Fund John Hancock Balanced Fund Loomis Sayles Global Equity and Income Fund INCOME AB Global Bond Fund AB High Income Fund BlackRock Total Return Fund Capital World Bond Fund Core Bond Fund DFA Five-Year Global Fixed-Income Fund DFA Inflation-Protected Securities Fund DoubleLine Total Return Bond Fund Eaton Vance High Income Opportunities Fund Federated Institutional High Yield Bond Fund Federated Total Return Bond Fund Fidelity Advisor Total Bond Fund Floating Rate Income Fund 2,3 Global Bond Fund High Yield Fund Putnam Equity Income Fund Putnam Growth Opportunities Fund RidgeWorth Silvant Large Cap Growth Stock Fund Sit Dividend Growth Fund SMALLCAP World Fund T. Rowe Price Dividend Growth Fund T. Rowe Price Equity Income Fund Templeton World Fund The Growth Fund of America The Investment Company of America Thrivent Mid Cap Stock Fund TIAA-CREF Large-Cap Growth Index Fund 1 TIAA-CREF Large-Cap Value Index Fund 1 TIAA-CREF Social Choice Equity Fund Total Stock Market Index Fund 1 U.S. Growth Fund Value Fund Vanguard Equity-Income Fund Vanguard Growth Index Fund 1 Vanguard High Dividend Yield Index Fund 1 Vanguard International Growth Fund Vanguard Mid-Cap Value ETF 1 Vanguard Strategic Equity Fund Vanguard Total World Stock Index ETF 1 Vanguard Value Index Fund 1 Victory Diversified Stock Fund Victory Sycamore Established Value Fund Washington Mutual Investors Fund Wells Fargo Special Mid Cap Value Fund WisdomTree MidCap Dividend ETF 1 WisdomTree MidCap Earnings ETF 1 MainStay Income Builder Fund MFS Emerging Markets Debt Fund Pax World Balanced Fund PIMCO All Asset All Authority Fund PIMCO All Asset Fund T. Rowe Price Capital Appreciation Fund 10 The Income Fund of America Utilities Fund Vanguard Balanced Index Fund 1 Invesco Core Plus Bond Fund Investment Quality Bond Fund John Hancock Alternative Asset Allocation Fund John Hancock Bond Fund John Hancock Income Fund John Hancock Short Duration Credit Opportunities Fund 2,3 JPMorgan Core Bond Fund JPMorgan Global Bond Opportunities Fund Legg Mason BW Global Opportunities Bond Fund Loomis Sayles Core Plus Bond Fund Lord Abbett Core Fixed Income Fund Lord Abbett High Yield Fund MainStay High Yield Corporate Bond Fund Metropolitan West Total Return Bond Fund Oppenheimer International Bond Fund GP of 6

4 Payden/Kravitz Cash Balance Plan Fund 2,3,4,13 PIMCO Foreign Bond Fund (USD-Hedged) PIMCO Global Bond Fund PIMCO Income Fund PIMCO Long Duration Total Return Fund PIMCO Real Return Fund Prudential Global Total Return Fund Prudential Total Return Bond Fund Real Return Bond Fund Strategic Income Opportunities Fund T. Rowe Price Spectrum Income Fund Templeton Global Bond Fund Total Bond Market Fund 1 U.S. Government Securities Fund U.S. High Yield Bond Fund Vanguard Intermediate-Term Bond Index Fund 1 Vanguard Long-Term Corporate Bond Index Fund 1 Vanguard Long-Term Government Bond Index Fund 1 Vanguard Total Bond Market Index Fund 1 Vanguard Total International Bond Index Fund 1 Wells Fargo Core Bond Fund Western Asset Core Plus Bond Fund CONSERVATIVE Calvert Short Duration Income Fund 2,3,4 Federated Capital Preservation Fund 2,4,5,13 John Hancock Stable Value Fund 3,4,5,13 Lord Abbett Short Duration Income Fund 2,3,4,13 Money Market Fund 2,3,4,13 New York Life Insurance Company Anchor Account Fund 2,3,5,13 PIMCO Short-Term Fund 2,3,4,13 Reliance MetLife Stable Value Fund 2,3,4,5 T. Rowe Price Short Term Bond Fund 2,3,4,13 Vanguard Short-Term Bond Index Fund 1,2,3,4 Vanguard Short-Term Federal Fund 2,3 Vanguard Short-Term Investment-Grade Fund 2,3,4 ASSET ALLOCATION TARGET DATE American Century One Choice 2060 American Century One Choice 2055 American Century One Choice 2050 American Century One Choice 2045 American Century One Choice 2040 American Century One Choice 2035 American Century One Choice 2030 American Century One Choice 2025 American Century One Choice 2020 American Century One Choice In Retirement American Funds 2060 Target Date Retirement Fund American Funds 2055 Target Date Retirement Fund American Funds 2050 Target Date Retirement Fund American Funds 2045 Target Date Retirement Fund American Funds 2040 Target Date Retirement Fund American Funds 2035 Target Date Retirement Fund American Funds 2030 Target Date Retirement Fund American Funds 2025 Target Date Retirement Fund American Funds 2020 Target Date Retirement Fund American Funds 2015 Target Date Retirement Fund American Funds 2010 Target Date Retirement Fund BlackRock LifePath Index 2060 Fund BlackRock LifePath Index 2055 Fund BlackRock LifePath Index 2050 Fund BlackRock LifePath Index 2045 Fund BlackRock LifePath Index 2040 Fund BlackRock LifePath Index 2035 Fund BlackRock LifePath Index 2030 Fund BlackRock LifePath Index 2025 Fund BlackRock LifePath Index 2020 Fund BlackRock LifePath Index Retirement Fund John Hancock Multimanager 2060 Lifetime Portfolio John Hancock Multimanager 2055 Lifetime Portfolio John Hancock Multimanager 2050 Lifetime Portfolio John Hancock Multimanager 2045 Lifetime Portfolio John Hancock Multimanager 2040 Lifetime Portfolio John Hancock Multimanager 2035 Lifetime Portfolio John Hancock Multimanager 2030 Lifetime Portfolio John Hancock Multimanager 2025 Lifetime Portfolio John Hancock Multimanager 2020 Lifetime Portfolio John Hancock Multimanager 2015 Lifetime Portfolio John Hancock Multimanager 2010 Lifetime Portfolio John Hancock Multi-Index 2060 Lifetime Portfolio John Hancock Multi-Index 2055 Lifetime Portfolio John Hancock Multi-Index 2050 Lifetime Portfolio John Hancock Multi-Index 2045 Lifetime Portfolio John Hancock Multi-Index 2040 Lifetime Portfolio John Hancock Multi-Index 2035 Lifetime Portfolio John Hancock Multi-Index 2030 Lifetime Portfolio John Hancock Multi-Index 2025 Lifetime Portfolio John Hancock Multi-Index 2020 Lifetime Portfolio John Hancock Multi-Index 2015 Lifetime Portfolio John Hancock Multi-Index 2010 Lifetime Portfolio John Hancock Multi-Index 2060 Preservation Portfolio John Hancock Multi-Index 2055 Preservation Portfolio John Hancock Multi-Index 2050 Preservation Portfolio John Hancock Multi-Index 2045 Preservation Portfolio John Hancock Multi-Index 2040 Preservation Portfolio John Hancock Multi-Index 2035 Preservation Portfolio John Hancock Multi-Index 2030 Preservation Portfolio John Hancock Multi-Index 2025 Preservation Portfolio John Hancock Multi-Index 2020 Preservation Portfolio John Hancock Multi-Index Income Preservation Portfolio JPMorgan SmartRetirement 2060 JPMorgan SmartRetirement 2055 JPMorgan SmartRetirement 2050 JPMorgan SmartRetirement 2045 JPMorgan SmartRetirement 2040 JPMorgan SmartRetirement 2035 JPMorgan SmartRetirement 2030 JPMorgan SmartRetirement 2025 JPMorgan SmartRetirement 2020 JPMorgan SmartRetirement Income T. Rowe Price Retirement 2060 T. Rowe Price Retirement 2055 T. Rowe Price Retirement 2050 GP of 6

5 T. Rowe Price Retirement 2045 T. Rowe Price Retirement 2040 T. Rowe Price Retirement 2035 T. Rowe Price Retirement 2030 T. Rowe Price Retirement 2025 T. Rowe Price Retirement 2020 T. Rowe Price Retirement 2015 T. Rowe Price Retirement 2010 Vanguard Target Retirement 2060 Vanguard Target Retirement 2055 ASSET ALLOCATION-TARGET RISK John Hancock Multimanager Aggressive Lifestyle Portfolio John Hancock Multimanager Growth Lifestyle Portfolio John Hancock Multimanager Balanced Lifestyle Portfolio John Hancock Multimanager Moderate Lifestyle Portfolio John Hancock Multimanager Conservative Lifestyle Portfolio John Hancock Multi-Index Lifestyle Aggressive Portfolio John Hancock Multi-Index Lifestyle Growth Portfolio John Hancock Multi-Index Lifestyle Balanced Portfolio Vanguard Target Retirement 2050 Vanguard Target Retirement 2045 Vanguard Target Retirement 2040 Vanguard Target Retirement 2035 Vanguard Target Retirement 2030 Vanguard Target Retirement 2025 Vanguard Target Retirement 2020 Vanguard Target Retirement 2015 Vanguard Target Retirement Income John Hancock Multi-Index Lifestyle Moderate Portfolio John Hancock Multi-Index Lifestyle Conservative Portfolio JH Lifestyle Aggressive - Managed Volatility JH Lifestyle Growth - Managed Volatility JH Lifestyle Balanced - Managed Volatility JH Lifestyle Moderate - Managed Volatility JH Lifestyle Conservative - Managed Volatility For detailed descriptions of each Sub-account, please visit: GP of 6

6 NOTES 1 None of the Index Funds or the underlying John Hancock Trust Index Trusts or ETFs are sponsored, endorsed, managed, advised, sold or promoted by any of the respective companies that sponsor the broad-based securities market index, and none of these companies make any representation regarding the advisability of investing in the Index Fund. 2 If the John Hancock Stable Value Fund Sub-account is selected as an investment option by the Contractholder, this Sub-account cannot be selected by the Contractholder. 3 If the Federated Capital Preservation Fund Sub-account is selected as an investment option by the Contractholder, this Sub-account cannot be selected by the Contractholder. 4 If the New York Life Insurance Company Anchor Account Fund Sub-account is selected as an investment option by the Contractholder, this Sub-account cannot be selected by the Contractholder. 5 The John Hancock Stable Value Fund, Federated Capital Preservation Fund, New York Life Insurance Company Anchor Account Fund and Reliance MetLife Stable Value Fund each is a Stable Value Sub-account, which invests in an underlying Trust. The Unit Value of a Stable Value Sub-account will be defined as the Unit Value of the underlying Trust as adjusted to account for underlying Trust distributions. Withdrawals from a Stable Value Sub-account are subject to the same restrictions that apply to the underlying Trust. For the John Hancock Stable Value Fund, Federated Capital Preservation Fund and New York Life Insurance Company Anchor Fund the Trustee of the underlying Trust has the right to delay any participant-initiated withdrawal for up to 30 days if it determines that immediate withdrawal may have an adverse impact on the Trust. In addition, under some circumstances the Trustee of the John Hancock Stable Value Fund, Federated Capital Preservation Fund and New York Life Insurance Company Anchor Fund also has the right to delay for up to 12 months, any other withdrawal, including the withdrawal of all, or a portion of the assets of an investor in the Trust. For the Reliance MetLife Stable Value Fund, the Trustee of the underlying Trust has the right to delay any participant-initiated withdrawal for up to 7 days to maintain liquidity for the Trust. Under some circumstances, the Trustee of the Reliance MetLife Stable Value Fund also has the right to delay any other withdrawal, including the withdrawal for all, or a portion of the assets of an investor in the Trust, for an indefinite period. Where any such restrictions or price adjustments are invoked by the underlying Trust with respect to withdrawals attributable to this Contract, the Company will apply such restrictions or price adjustments to withdrawals made under this Sub-account with respect to this Contract. If a Stable Value Sub-account is selected by the Contractholder, no other competing investment option can be selected as an investment option by the Contractholder either in this Contract or elsewhere. The Company reserves the right to review any new investment option being added by the Plan to determine that it is not a competing investment option as defined in the Contract. The John Hancock Stable Value Fund, the New York Life Insurance Company Anchor Account Fund, the Federated Capital Preservation Fund and the Reliance MetLife Stable Value Fund are not available to Puerto Rico plans described in section 1022(i)(1) of the Employee Retirement Income Security Act (ERISA) nor to Group or Master Trusts that include assets of such plans. 6 The Oppenheimer Developing Markets Fund is not available to Contracts that had not selected this Fund on or before April 12, The Prudential Jennison Mid Cap Growth Fund is not available to Contracts that had not selected this Fund on or before May 8, The John Hancock Disciplined Value Mid Cap Fund is not available to Contracts that had not selected this Fund on or before January 31, The International Small Cap Fund is not available to Contracts that had not selected this Fund on or before December 10, The T. Rowe Price Capital Appreciation Fund is not available to Contracts that had not selected this Fund on or before June 30, The Dodge & Cox International Stock Fund is not available to Contracts that had not selected this Fund on or before January 16, GP of 6

7 12 The T. Rowe Price Health Sciences Fund is not available to Contracts that had not selected this Fund on or before June 1, If the Reliance MetLife Stable Value Fund Sub-account is selected as an investment option by the Contractholder, this Sub-account cannot be selected by the Contractholder. 14 The Janus Enterprise Fund is not available to Contracts that had not selected this Fund on or before January 27, President JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A) GP of 6