Enrolling: getting started is easy

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1 Enrolling: geing sared is easy Congraulaions! By deciding o paricipae in WORKSMART SYSTEMS, INC.'s reiremen plan, you are aking conrol of your financial fuure. From he day you join, your reiremen plan sars working o help you build your reiremen savings. BEFORE you begin You ll need your conrac number: and your Enrollmen Access Number: Your enrollmen opions Online Go o jhgoenroll.com or scan he QR code From any device you can selec our Express pah and enroll in seconds. I s really ha simple. Or, choose he Guided pah which will help you enroll a your own pace. Phone Call us JHENROLL ( ) Speak wih an enrollmen specialis who can help you enroll over he phone. Enrollmen specialiss are available from 8:30 A.M. o 7:30 P.M. EST Monday o Friday. GT-P EFORM-GE 04/ Form Complee an enrollmen form Carefully fill in all he required informaion including your personal deails, conribuion amoun and invesmen opions. Remember o sign and dae he form and provide all compleed pages o your plan adminisraor. Wach how easy i is o enroll wih John Hancock, go o jhenrollmen.com

2 Things you need o know Abou choosing a conribuion amoun There are TWO ways you can make conribuions o your reiremen accoun: Pre-ax: your conribuions are no axed unil you reire and may be in a lower ax bracke. Afer-ax (Roh): your conribuions are axed now. Conribuions, including salary deferral conribuions, salary deferral reaed as cach-up conribuions, and any plan ransfers from eiher your curren employer or a previous qualified plan (as accepable by your curren plan), will be invesed in he same manner unless oherwise direced by eiher you on our websie or your company. Excepions may include: 1) Employer conribuions (if applicable) direced by your employer and/or, 2) Rollover conribuions as direced by you via a Roll-in form. Take advanage of annual conribuion increases Your plan offers he opion o annually increase your conribuions. This will auomaically increase your pre-ax conribuions by 1% or $25 each year unil a maximum of 10% or $500 is reached. To change any of he above such as he increase amoun and/or your maximum, log on o our websie or call he oll-free number. Noe: you canno exceed your plan's conribuion limi. Abou choosing your invesmen opions You ll need o decide how your conribuions will be allocaed by choosing ONE of he following opions: 1) Explore my opions now: You re ready o explore and selec your invesmen opions from all he Funds available under your company s reiremen plan as lised on he following pages. Ener he percenage beside he corresponding Fund(s) you wan o inves. You mus provide whole percenages only and he oal sum of all percenages mus equal 100%. 2) I ll review my opions laer: This opion is available if you are no sure which invesmen opion you wan o selec and jus wan o ge sared oday. Wih one direcion, you can allocae 100% of your conribuions o he defaul invesmen opion (DIO) ha has been seleced by your plan rusee(s). By selecing his opion, you undersand ha if your plans DIO changes, you will remain invesed he Fund(s) lised on he form. If a Targe Dae Porfolio is seleced as he DIO, you ll be invesed based on he arge dae ha is closes o he year you aain age 67. A anyime, you can updae or change your invesmen insrucion by visiing our websie, calling or speaking wih your plan adminisraor. To view all he invesmen opions including individual Fund shees available in your company s plan, go o our websie or speak wih your plan adminisraor. If you have any quesions Your plan adminisraor can help you wih any quesions you may have abou your company s qualified reiremen plan, your eligibiliy for he plan, naming a beneficiary, his form or if you require anoher form. More informaion is also available a Noe: 1. If your allocaions insrucions under Explore my opions secion are no legible or do no equal 100%, John Hancock will prorae he allocaion insrucion you have provided o equal 100%. In he even ha John Hancock canno prorae your insrucions (e.g. you filled ou boh he Explore my opions and I ll review my opions laer secions or your invesmen insrucions add o more han 100%) and/or you do no provide a signaure on your enrollmen form, your conribuions will be allocaed o he defaul invesmen opions designaed by your plan rusee(s). plan. 2. If under Explore your opions secion you seleced he check box for a Targe Dae Porfolio a 100% based on your age and reiremen dae of 67, bu have no provided a Dae of Birh, hen all of your conribuions will be invesed, and will remain invesed, in he mos conservaive porfolio in he seleced suie of Targe Dae Porfolios unil new insrucions are provided. Consider consolidaing your reiremen accouns If you have oher reiremen accouns such as a 401(k) plan wih a former employer or an IRA, you may be able o move hese ino your new reiremen accoun wih John Hancock^. To learn more abou his opion and if consolidaing your accoun is righ for you, simply indicae ha you would like o discuss your opions on he enrollmen form or call us a Available for plans uilizing John Hancock s consolidaion services; rollovers are subjec o he provisions of your company s ^Speak wih a Financial Represenaive o deermine if combining your reiremen accouns is suiable for you, as oher opions are available.

3 Your Enrollmen Form To complee his form, read he aached insrucions. Reurn he compleed form o your plan adminisraor. DPNQBOZ OBNF WORKSMART SYSTEMS, INC. DPOUSBDU OVNCFS Need help? Talk wih your personal enrollmen specialis a JHENROLL ( ) PERSONAL INFORMATION Complee required informaion Las Name Firs Name, Iniial Social Securiy Number Dae of birh (mmm/dd/yyyy) CONTRIBUTIONS Selec your conribuion amoun PRE-TAX CONTRIBUTIONS J fmfdu up dpousjcvuf uif gpmmpxjoh qfsdfoubhf ps bnpvou qfs qbz qfsjpe po b qsf.uby cbj, ; )Tfmfdu pof cpy pomz* 15% 12% 9% 6% OR Oher: % or $ YES! I wan hese conribuions o increase by 1% or $25 each year unil a maximum of 10% or $500 is reached. ROTH 401(K) AFTER TAX CONTRIBUTIONS J fmfdu up dpousjcvuf uif gpmmpxjoh qfsdfoubhf ps bnpvou qfs qbz qfsjpe po b qpu.uby cbj, ; )Tfmfdu pof cpy pomz* 15% 12% 9% 6% OR Oher: % or $ + Subjec o he plan's conribuion limi and IRS limis. INVESTMENT OPTIONS Selec ONE of he following opions 1) EXPLORE MY OPTIONS NOW: Qspdffe up uif gpmmpxjoh qbhf/ 2) I'LL REVIEW MY OPTIONS LATER: J fmfdu up dpousjcvuf 211& pg nz dpousjcvujpo up uif efgbvmu jowfunfou pqujpo )mjufe cfmpx* efjhobufe cz nz qmbo usvuff)*/ JH Mulimanager Lifeime Porfolio RL 100% Tear ou, complee and reurn o your plan adminisraor. Page 1 of 4 CONSIDER CONSOLIDATING YOUR RETIREMENT ACCOUNTS YES! I would like o discuss if consolidaing is righ for me. Conac me a ( ) - AM/PM or * * addresses will only be used for consolidaion services. SIGNATURE - If you seleced I ll Review My Opions Laer, sign below and reurn o your plan adminisraor. I acknowledge ha his plan offers invesmen opions hrough my company s group annuiy conrac wih John Hancock and ha I have read and undersand he insrucions ha accompany his form including informaion abou choosing your invesmen opions and he erms, condiions, resricions, fees and risk ha relae o hem and oher pars of he insrucions. If he defaul invesmen opion seleced by he plan is a Targe Dae Porfolio, I undersand ha my porfolio will be based on my provided age wih a arge dae ha is closes o he year ha I aain age 67. X Signaure of Paricipan Prin Name mmm / dd / yyyy Dae Your company's plan offers invesmen opions hrough is group annuiy conrac wih John Hancock Life Insurance Company (U.S.A.) HU.Q Page 1 of 4 08/07/ E01 GA

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5 Enrollmen Form coninued Social Securiy Number - - Conrac Number: INVESTMENT OPTIONS coninued EXPLORE MY OPTIONS NOW: Ener a percenage for each invesmen opion ino which your conribuions will be placed. A selecion of deailed Fund shees is available on our websie, along wih Reurns and Fees informaion for he mos recen monh-end. These conain imporan informaion for each invesmen opion available under he group annuiy conrac, including deails on he underlying muual funds, invesmen objecives, level of risk, underlying allocaions and charges, as well as oher imporan informaion abou he invesmen opions which should be carefully considered. Please read his informaion carefully prior o choosing your invesmen opions. n You can choose from asse allocaion porfolios, creae your own mix, or a combinaion of boh using he Funds available in your company s reiremen plan lised on he following pages. n Each invesmen opion you can choose from is color-coded o show he level of risk and poenial reurn. Each color represens a differen level of risk versus poenial reurn, ranging from conservaive (blue) o aggressive (red). n The oal sum of all percenages mus equal 100%. Noe: Allocaing asses o only one or a small number of he invesmen opions (oher han an asse allocaion invesmen opion such as a arge dae or arge risk opion) should no be considered a balanced invesmen program. In paricular, allocaing asses o a small number of invesmen opions concenraed in paricular business or marke secors could subjec an accoun o increased risk and volailiy. Oher han he Guaraneed Ineres Accouns, uni values depend on marke performance and are NOT guaraneed. Asse Allocaion Porfolios Targe Dae Porfolios CODE % JH Mulimanager Lifeime Porfolio sub-advised by John Hancock Asse Mgm Based on my curren age and reiring a % OR, selec anoher porfolio John Hancock Mulimanager 2060 Lifeime Porfolio John Hancock Mulimanager 2055 Lifeime Porfolio John Hancock Mulimanager 2050 Lifeime Porfolio John Hancock Mulimanager 2045 Lifeime Porfolio John Hancock Mulimanager 2040 Lifeime Porfolio John Hancock Mulimanager 2035 Lifeime Porfolio John Hancock Mulimanager 2030 Lifeime Porfolio John Hancock Mulimanager 2025 Lifeime Porfolio John Hancock Mulimanager 2020 Lifeime Porfolio John Hancock Mulimanager 2015 Lifeime Porfolio John Hancock Mulimanager 2010 Lifeime Porfolio LXL LXK LXJ LXI LXH LXG LXF LXE LXD LXC LXB Targe Risk Porfolios CODE % Mulimanager Lifesyle sub-advised by John Hancock Asse Mgm John Hancock Mulimanager Aggressive Lifesyle Porfolio John Hancock Mulimanager Growh Lifesyle Porfolio John Hancock Mulimanager Balanced Lifesyle Porfolio John Hancock Mulimanager Moderae Lifesyle Porfolio John Hancock Mulimanager Conservaive Lifesyle Porfolio ALS GLS BLS MLS CLS Tear ou, complee and reurn o your plan adminisraor. Page 2 of 4 Individual Invesmen Opions Conservaive CODE % John Hancock Sable Value Fund sub-advised by John Hancock Life Insurance Company (U.S.A.) MSV Income CODE % John Hancock Bond Fund sub-advised by John Hancock Asse Managemen Toal Bond Marke Fund sub-advised by John Hancock Asse Managemen JHB Growh & Income CODE % Federaed Insiuional High Yield Bond Fund subadvised by Federaed Invesmen Managemen Company Prudenial Global Toal Reurn Fund sub-advised by PGIM Invesmens LLC BIF FHY PGR Growh & Income CODE % T. Rowe Price Specrum Income Fund sub-advised by T. Rowe Price Associaes, Inc. Uiliies Fund sub-advised by MFS Invesmen Managemen INC ULT Growh CODE % 500 Index Fund sub-advised by John Hancock Asse Managemen Blue Chip Growh Fund sub-advised by T. Rowe Price Associaes, Inc. Capial World Growh and Income Fund sub-advised by American Funds Group John Hancock Disciplined Value Fund sub-advised by Robeco Invesmen Managemen, Inc. T. Rowe Price Healh Sciences Fund sub-advised by T. Rowe Price Associaes, Inc. IND BCF CGI DVA HLS Turn he page for more invesmen opions... HU.Q Page 2 of 4 08/07/ E01 GA

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7 Enrollmen Form coninued Social Securiy Number - - Conrac Number: Growh CODE % Mid Cap Index Fund sub-advised by John Hancock Asse Managemen MCI Aggressive Growh CODE % Columbia Overseas Value Fund sub-advised by Columbia Managemen Invesmen Advisers, LLC DFA U.S. Targeed Value Fund sub-advised by Dimensional Fund Advisors, Inc. (DFA) Eaon Vance Alana Capial SMID-Cap Fund subadvised by Eaon Vance Managemen EuroPacific Growh Fund sub-advised by American Funds Group Financial Indusries Fund sub-advised by John Hancock Asse Managemen Inernaional Equiy Index Fund sub-advised by SSgA Funds Managemen, Inc. JPMorgan Mid Cap Value Fund sub-advised by J.P. Morgan Invesmen Managemen Inc. Explore my opions now TOTAL COV DUT EVA EPG FSF IIF MID 100% Aggressive Growh CODE % Oppenheimer Developing Markes Fund sub-advised by OppenheimerFunds, Inc. Oppenheimer Inernaional Growh Fund subadvised by OppenheimerFunds, Inc. Real Esae Securiies Fund sub-advised by Deusche Asse Managemen, Inc. Science & Technology Fund sub-advised by T. Rowe Price Associaes, Inc. & Allianz Global Invesors U.S., LLC Small Cap Index Fund sub-advised by John Hancock Asse Managemen Vanguard Energy Fund sub-advised by Vanguard Group, Inc. Vanguard Explorer Fund sub-advised by Vanguard Group, Inc. DMK OIG REF STF SCI VEN EXP IMPORTANT The oal of all your fund selecions MUST EQUAL 100% Tear ou, complee and reurn o your plan adminisraor. Page 3 of 4 HU.Q Page 3 of 4 08/07/ E01 GA

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9 Enrollmen Form coninued Social Securiy Number - - Conrac Number: SIGNATURE If you seleced Explore my opions now, sign below and reurn all pages o your plan adminisraor. I elec no o conribue a his ime. Noe: Conac your plan adminisraor o deermine he nex plan enry dae. I acknowledge ha if I have seleced he "I elec no o conribue" box on his form, I will no be making any conribuions o he plan. I acknowledge ha his plan offers invesmen opions hrough my company s group annuiy conrac wih John Hancock and ha I have read and undersand he insrucions ha accompany his form including informaion on annual conribuion increase, choosing your invesmen opions and he erms, condiions, resricions, fees and risk ha relae o hem and oher pars of he insrucions. If I have seleced a Targe Dae Porfolio based on my curren age and reiring a 67, I undersand my porfolio will be seleced based on a arge dae ha is closes o he year I aain age 67. X mmm / dd / yyyy Signaure of Paricipan Prin Name Dae Tear ou, complee and reurn o your plan adminisraor. Page 4 of 4 John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) is referred o as "John Hancock". Group annuiy conracs and recordkeeping agreemens are issued by John Hancock Life Insurance Company (U.S.A.), Boson, MA (no licensed in New York). John Hancock Life Insurance Company (U.S.A.) makes available a plaform of invesmen alernaives o sponsors or adminisraors of reiremen plans wihou regard o he individualized needs of any plan. Unless oherwise specifically saed in wriing, John Hancock Life Insurance Company (U.S.A.) does no, and is no underaking o, provide imparial invesmen advice or give advice in a fiduciary capaciy. No insured by he Federal Deposi Insurance Corporaion (FDIC) MAY LOSE VALUE NOT BANK GUARANTEED 2018 All righs reserved. Make sure you sign above, hen reurn form and any oher iems o your plan adminisraor. HU.Q Page 4 of 4 08/07/ E01 GA

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