John Hancock Series Morningstar Ratings and Ticker Symbols As of June 30, 2005

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1 This chart depicts the ticker symbols (including share class) and ratings for underlying funds in which all assets of the John Hancock Series are invested. The ticker symbols and ratings do not directly apply to the John Hancock Investment Options 1 Underlying and Ticker Symbols 4 Aggressive Growth JH Allianz RCM Global Technology 3 JH T. Rowe Price Science & Technology 3 JH Oppenheimer Developing Markets JH T. Rowe Price Health Sciences 3 Allianz RCM Global Technology T. Rowe Price Science & Technology Oppenheimer Developing Markets T. Rowe Price Health Sciences RAGTX Specialty-Technology PASTX Specialty-Technology ODMAX Diversified Emerging Markets PRHSX Specialty-Health Emerging Growth JHT - Emerging Growth Trust N/A N/A Small Growth JH AIM Small Cap Growth AIM Small Cap Growth GTSAX Small Growth JH Explorer Vanguard Explorer (Investor Class) VEXPX Small Growth JH Franklin Small-Mid Cap Growth Franklin Small-Mid Cap Growth FRSGX Mid-Cap Growth JH Calamos Growth Calamos Growth CVGRX Mid-Cap Growth JH Royce Opportunity Royce Opportunity (Financial Intermediary Class) RYOFX Small Value JH John Hancock Small Cap 10 John Hancock Small Cap DSISX Small Growth Small Cap Index JHT-Small Cap Index Trust N/A N/A Small Blend JH American Century Small Company American Century Small Company ASQAX Small Blend JH American Century Vista 9 American Century Vista TWCVX Mid-Cap Growth JH Scudder Mid Cap Growth 8 Scudder Mid Cap Growth SMCAX Mid-Cap Growth JH Legg Mason Growth 9 Legg Mason Growth Trust LMGFX Large Growth JH Smith Barney Aggressive Growth Smith Barney Aggressive Growth (Class Y) SAGYX Large Growth JH Energy 3 Vanguard Energy (Investor Class) Specialty-Natural VGENX Resources JH AIM Constellation AIM Constellation CSTGX Large Growth JH Davis Financial 3 Davis Financial RPFGX Specialty-Financial JH Nations Marsico International Nations Marsico International Foreign Large MAIOX Opportunities 10 Opportunities Growth JH Scudder International Select Equity Scudder International Select Equity DBISX Foreign Large Blend JH Templeton Foreign Smaller Templeton Foreign Smaller Companies Foreign Small/Mid FINEX Companies Value International Equity Index John Hancock VST International Equity Foreign Large N/A N/A Index Growth JH American s EuroPacific Growth American s EuroPacific Growth (Class R3) RERCX Foreign Large Blend JH Templeton Foreign Templeton Foreign TEMFX Foreign Large Value Growth JH Oppenheimer Global Oppenheimer Global OPPAX World Stock Quantitative Mid Cap JHT - Quantitative Mid Cap Trust N/A N/A Mid-Cap Blend Mid Cap Index JHT - Mid Cap Index Trust N/A N/A Mid-Cap Blend Page 1 of 6 Not Valid Without All Pages

2 This chart depicts the ticker symbols (including share class) and ratings for underlying funds in which all assets of the John Hancock Series are invested. The ticker symbols and ratings do not directly apply to the John Hancock Investment Options 1 Underlying and Ticker Symbols 4 JH AIM Mid Cap Core Equity AIM Mid Cap Core Equity GTAGX Mid-Cap Blend JH Templeton World Templeton World TEMWX World Stock JH Jennison Growth Jennison Growth PJFAX Large Growth JH American s Growth of American s Growth of America America (Class R3) RGACX Large Growth JH John Hancock U.S. Global Leaders John Hancock U.S. Global Leaders Growth 9 Growth USGLX Large Growth Quantitative All Cap JHT - Quantitative All Cap Trust N/A N/A Large Blend JH Fidelity Advisor Large Cap Fidelity Advisor Large Cap (Class T) FALGX Large Growth JH Fidelity Contra 2 Fidelity Contrafund FCNTX Large Growth JH Excelsior Value and Restructuring Excelsior Value and Restructuring UMBIX Large Value Total Stock Market Index JHT - Total Stock Market Index Trust N/A N/A Large Blend JH T. Rowe Price Blue Chip Growth T. Rowe Price Blue Chip Growth PABGX Large Growth JH Legg Mason Value 10 Legg Mason Value Trust LMVFX Large Blend JH MFS Strategic Value MFS Strategic Value MSVTX Large Value JH Merrill Lynch Large Cap Value Merrill Lynch Large Cap Value MDLVX Large Value JH Domini Social Equity Domini Social Equity DSEFX Large Blend (Investor Class) JH John Hancock Classic Value John Hancock Classic Value PZFVX Large Value JH MFS Utilities 3 MFS Utilities MMUFX Specialty-Utilities JH Scudder RREEF Real Estate Securities Scudder RREEF Real Estate Securities RRRAX Specialty-Real Estate 3 JH Munder Small-Cap Value Munder Small-Cap Value MCVYX Small Blend (Class Y) JH T. Rowe Price Small Cap Value T. Rowe Price Small Cap Value 2 PASVX Small Value JH Smith Barney Small Cap Value Smith Barney Small Cap Value SBVAX Small Value JH T. Rowe Price Mid-Cap Value T. Rowe Price Mid-Cap Value TAMVX Mid-Cap Value JH Lord Abbett Mid Cap Value Lord Abbett Mid Cap Value LAVLX Mid-Cap Value JH Lord Abbett All Value Lord Abbett All Value LDFVX Large Value JH Mutual Discovery Mutual Discovery TEDIX World Stock FRBSX Mid-Cap Value FDGTX Large Blend JH Franklin Balance Sheet Investment JH Fidelity Advisor Dividend Growth Franklin Balance Sheet Investment Fidelity Advisor Dividend Growth 2 (Class T) Growth and Income JH Weitz Partners Value Weitz Partners Value WPVLX Mid-Cap Value JH Mutual Beacon Mutual Beacon TEBIX Mid-Cap Value Page 2 of 6 Not Valid Without All Pages

3 This chart depicts the ticker symbols (including share class) and ratings for underlying funds in which all assets of the John Hancock Series are invested. The ticker symbols and ratings do not directly apply to the John Hancock Investment Options 1 Underlying and Ticker Symbols Index JHT Index Trust N/A N/A Large Blend JH Davis New York Venture Davis New York Venture NYVTX Large Blend JH UBS U.S. Large Cap Equity 10 UBS U.S. Large Cap Equity BPEQX Large Blend Quantitative Value JHT - Quantitative Value Trust N/A N/A Large Value JH American s Investment American s Investment Company Company of America of America (Class R3) RICCX Large Value JH T. Rowe Price Equity Income T. Rowe Price Equity Income PAFDX Large Value JH American s Washington Mutual American s Washington Mutual Investors Investors (Class R3) RWMCX Large Value JH American s American Balanced American s American Balanced (Class R3) RLBCX Moderate Allocation JH PIMCO All Asset PIMCO All Asset (Admin Class) PAALX N/A Moderate Allocation JH UBS Global Allocation UBS Global Allocation BNGLX World Allocation Income JH Salomon Brothers High Yield Bond JH John Hancock Strategic Income JH T. Rowe Price Spectrum Income JH PIMCO Global Bond 9 JH PIMCO Total Return JH PIMCO Real Return JH Short-Term Federal # Salomon Brothers High Yield Bond John Hancock Strategic Income T. Rowe Price Spectrum Income PIMCO Global Bond (Administrative Class) PIMCO Total Return (Administrative Class) PIMCO Real Return (Administrative Class) Vanguard Short Term Federal (Investor Class) SAHYX High-Yield Bond JHFIX Multisector Bond RPSIX Multisector Bond PADMX World Bond PTRAX Intermediate-Term Bond PARRX Long Government VSGBX Short Government Conservative Money Market # JHT - Money Market Trust Money Market N/A N/A Taxable JH Money Market 2, # JHT - Money Market Trust Money Market N/A N/A Taxable JH Morgan Stanley Stable Value 7 Morgan Stanley Stable Value N/A N/A Ultrashort Bond Lifestyle Manulife Lifestyle Aggressive Manulife Lifestyle Growth Manulife Lifestyle Balanced Manulife Lifestyle Moderate Manulife Lifestyle Conservative N/A N/A N/A Large Blend N/A N/A N/A Large Blend N/A N/A N/A Moderate Allocation N/A N/A N/A Moderate Allocation N/A N/A N/A Conservative Allocation Page 3 of 6 Not Valid Without All Pages

4 This chart depicts the ticker symbols (including share class) and ratings for underlying funds in which all assets of the John Hancock Series are invested. The ticker symbols and ratings do not directly apply to the John Hancock Investment Options 1 Underlying and Ticker Symbols 4 Page 4 of 6 Not Valid Without All Pages

5 1 Your Plan offers you the opportunity to contribute to investment options available under a group annuity contract with John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). These investment options may be sub-accounts (pooled funds) investing directly in securities or in underlying mutual funds, or they may be the Guaranteed Interest Accounts. The placement of investment options within investment categories and/or according to potential risk/return is determined by John Hancock USA from time to time, relative to other investment options available under a John Hancock USA group annuity contract. These placements should not be compared with any other investment options available outside the group annuity contract. This information is not investment advice. Moreover, there can be no assurance that any investment option will experience less volatility than another. Past performance is no guarantee of future results. None of the Index s or the underlying JHT Index Trusts 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. Allocating contributions only to one or a small number of the sub-accounts (other than Lifestyle s ) should not be considered a balanced investment program. In particular, allocating contributions to a small number of sub-accounts that concentrate their investments in a particular business or market sector will increase the risk that the value of your account will be more volatile since these sub-accounts may react similarly to business or market specific events. The Company does not provide advice regarding appropriate investment allocations; please discuss this matter with your financial consultant. 2 Only available under certain limited circumstances. Please consult your Plan Administrator to determine if your plan offers this investment option. 3 The underlying fund concentrates its investments in a sector of the market. A portfolio of this type may be riskier or more volatile in price than one that invests in more market sectors. Denotes the fund symbol of the underlying fund (including share class) in which all assets of the are invested. The ticker symbol is for the 4 underlying fund and not for the Manulife Series sub-account. Any public information accessed using this symbol will not reflect charges at the subaccount level or 5 The Rating TM, commonly called the "star rating", is a quantitative measure of both performance and risk. Each month, scores funds with similar investment strategies on risk and return over 3, 5 or 10 years, using the amount of variation in a fund's performance as a measure of risk. All funds with at least a 3-year history are ranked in a "category". categories are assigned to a fund based on the underlying securities a fund has invested in over the past 3 years. s with scores in the top 10% of each category receive 5 stars (highest); the next 22.5%, 4 stars (above average); the next 35%, 3 stars (average); the next 22.5%, 2 stars (below average); and the bottom 10%, 1 star (lowest). Past performance is no guarantee of future results. All data is 2005 by, Inc. All rights reserved. ratings are applicable to the portfolio only and reflect historical risk-adjusted performance as of June 30, Although gathered from reliable sources, the information is not represented or warranted by to be accurate, correct, complete or timely. 6 The number of funds in s style categories for 3-, 5- and 10 -year periods are shown in the table below as of June 30, Style Category 3yr 5 yr 10yr yr Style Category 3yr 3 yr 5 yr 10yr yr Conservative Allocation Multisector Bond Diversified Emerging Markets Short Government Foreign Large Blend Small Blend Foreign Large Growth Small Growth Foreign Large Value Small Value Foreign Small/Mid Value Specialty-Financial High-Yield Bond Specialty-Health Intermediate-Term Bond Specialty-Natural Resources Large Blend Specialty- Real Estate Large Growth Specialty-Technology Large Value Specialty-Utilities Long Government World Allocation Mid-Cap Blend World Bond Mid-Cap Growth World Stock Mid-Cap Value Ultrashort Bond Moderate Allocation Qualified retirement plans that select the JH Morgan Stanley Stable Value as an eligible investment option under the group annuity contract, are restricted from selecting an fixed-income investment options for the plan deemed to be Competing, including money market funds or short-term bond funds. Any fixed-income fund with a targeted average duration of 3- or 5-years or less shall be deemed a competing fund. The current Competing s are marked with #. Please speak with your John Hancock USA representative for details. 8 The name of this recently changed from JH Scudder Mid Cap to more accurately reflect the name of the underlying fund, which changed effective August None of the investment policies/objectives have changed. 9 Changes were made to this effective May 9, Please consult your John Hancock USA Representative for details. 10 This was recently introduced and may not be available in all states. Please contact your John Hancock USA Representative to determine if this is available for your plan. Group annuity contracts are issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Product features and availability may differ by state. In New York, products are issued by John Hancock Life Insurance Company of New York John Hancock. All rights reserved. Page 5 of 6 Not Valid Without All Pages

6 Group annuity contracts are issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). John Hancock Investment Management Services, LLC, a registered investment adviser, provides investment information relating to the contracts. Product features and availability may differ by state. In New York, products are issued by John Hancock Life Insurance Company of New York John Hancock. All rights reserved. Page 6 of 6 Not Valid Without All Pages