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 13th, 2016. Signed at the Head Office of the Company on August 1 st, 2016. AFL2.1
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 Tocqueville Gold Fund Natural Resources Fund DFA Emerging Markets Value Fund Royce Opportunity Fund Vanguard Energy Fund ishares Gold Trust ETF 1 Wells Fargo Advantage Small Company Growth Fund Fidelity Advisor Leveraged Company Stock Fund DFA International Value Fund Northern Emerging Markets Equity Index Fund 1 International Value Fund PIMCO Commodity Real Return Strategy Fund Janus Global Life Sciences Fund DFA International Small Cap Value Fund DFA U.S. Targeted Value Fund Keeley Small Cap Value Fund Dodge & Cox International Stock Fund 11 ishares MSCI EAFE Value ETF 1 International Core Fund T. Rowe Price Science & Technology Fund Aston/Fairpointe Mid Cap Fund New Opportunities Fund International Small Cap Fund 9 Vanguard Small Cap Growth Index Fund 1 Oppenheimer Developing Markets Fund 6 Undiscovered Managers Behavioral Value Fund Small Cap Growth Fund International Equity Index Fund 1 DFA US Small Cap Fund Mid Cap Stock Fund Small Cap Index Fund 1 Science & Technology Fund Lazard International Equity Fund ishares MSCI EAFE Growth ETF 1 Harbor Mid Cap Value Fund Vanguard Explorer Fund Franklin Small-Mid Cap Growth Fund Oppenheimer Global Fund Templeton World Fund EuroPacific Growth Fund Legg Mason ClearBridge Aggressive Growth Fund Royce Pennsylvania Mutual Fund T. Rowe Price Overseas Stock Fund Oppenheimer International Growth Fund Small Company Value Fund Invesco Small Cap Growth Fund SMALLCAP World Fund American Century Heritage Fund Vanguard Mid-Cap Growth ETF 1 New World Fund Real Estate Securities Fund T. Rowe Price Health Sciences Fund 12 Financial Industries Fund GROWTH Ivy Asset Strategy Fund WisdomTree MidCap Earnings ETF 1 Vanguard Small Cap Value Index Fund 1 Lord Abbett Value Opportunities Fund JPMorgan Intrepid Mid Cap Fund Aberdeen International Equity Fund Fundamental All Cap Core Fund T. Rowe Price Small Cap Value Fund John Hancock International Growth Fund Mid Cap Index Fund 1 Northern Small Cap Value Fund Diamond Hill Small-Mid Cap Fund Dodge & Cox Stock Fund Victory Diversified Stock Fund John Hancock Disciplined Value Mid Cap Fund 8 Small Cap Value Fund Invesco International Growth Fund Vanguard Total World Stock Index ETF 1 BlackRock Basic Value Fund Value Fund Capital World Growth and Income Fund All Cap Core Fund John Hancock Disciplined Value Fund Blue Chip Growth Fund Vanguard Mid-Cap Value ETF 1 New Perspective Fund Capital Appreciation Fund Mid Value Fund WisdomTree SmallCap Dividend ETF 1 Massachusetts Investors Fund The Growth Fund of America Fidelity Advisor Diversified Stock Fund Fundamental Investors JPMorgan Large Cap Growth Fund Baird MidCap Fund JPMorgan U.S. Equity Fund Domini Social Equity Fund Vanguard Growth Index Fund 1 MFS Value Fund Total Stock Market Index Fund 1 Prudential Jennison Mid Cap Growth Fund 7 WisdomTree MidCap Dividend ETF 1 Utilities Fund Footnote references on Page 4 and 5 GP1060.39 1 of 5
GROWTH & INCOME Equity Income Fund Vanguard Value Index Fund 1 T. Rowe Price Equity Income Fund 500 Index Fund 1 Franklin Founding Funds Allocation Fund The Investment Company of America JPMorgan Mid Cap Value Fund Franklin Mutual Beacon Fund Fidelity Contra Fund Fidelity Advisor New Insights Fund Franklin Mutual Global Discovery Fund Sit Dividend Growth Fund Parnassus Core Equity Fund Pax World Balanced Fund Washington Mutual Investors Fund BlackRock Global Allocation Fund U.S. Equity Fund T. Rowe Price Capital Appreciation Fund 10 PIMCO All Asset All Authority Fund American Balanced Fund Capital Income Builder The Income Fund of America PIMCO All Asset Fund Fundamental Large Cap Value Fund John Hancock Alternative Asset Allocation Fund INCOME Templeton Global Bond Fund Oppenheimer International Bond Fund MFS Emerging Markets Debt Fund High Yield Fund Strategic Income Opportunities Fund PIMCO Global Bond Fund Global Bond Fund Federated Institutional High Yield Bond Fund Real Return Bond Fund PIMCO Real Return Fund DFA Inflation-Protected Securities Fund Capital World Bond Fund U.S. High Yield Bond Fund T. Rowe Price Spectrum Income Fund Floating Rate Income Fund 2,3,4 Investment Quality Bond Fund John Hancock Short Duration Credit Opportunities Fund 2,3,4 Fidelity Advisor Total Bond Fund Active Bond Fund Payden/Kravitz Cash Balance Plan Fund 2,3,4 JPMorgan Core Bond Fund Core Bond Fund Total Bond Market Fund 1 U.S. Government Securities Fund Lord Abbett Short Duration Income Fund 2,3,4 Vanguard Short-Term Federal Fund 2,3,4 T. Rowe Price Short Term Bond Fund 2,3,4 CONSERVATIVE Money Market Fund 2,3,4 John Hancock Stable Value Fund 3,4,5 New York Life Insurance Company Anchor Account Fund 2,3,5 Federated Capital Preservation Fund 2,4,5 ASSET ALLOCATION - LIFECYCLE JH Retirement Through 2060 Active Strategies JH Retirement Through 2055 Active Strategies JH Retirement Through 2050 Active Strategies JH Retirement Through 2045 Active Strategies JH Retirement Through 2040 Active Strategies JH Retirement Through 2035 Active Strategies JH Retirement Through 2030 Active Strategies JH Retirement Through 2025 Active Strategies JH Retirement Through 2020 Active Strategies JH Retirement Through 2015 Active Strategies JH Retirement Through 2010 Active Strategies JH Retirement Through 2060 Managed Portfolio JH Retirement Through 2055 Managed Portfolio JH Retirement Through 2050 Managed Portfolio JH Retirement Through 2045 Managed Portfolio JH Retirement Through 2040 Managed Portfolio JH Retirement Through 2035 Managed Portfolio JH Retirement Through 2030 Managed Portfolio JH Retirement Through 2025 Managed Portfolio JH Retirement Through 2020 Managed Portfolio JH Retirement Through 2015 Managed Portfolio JH Retirement Through 2010 Managed Portfolio JH Retirement to 2060 Managed Portfolio JH Retirement to 2055 Managed Portfolio JH Retirement to 2050 Managed Portfolio JH Retirement to 2045 Managed Portfolio JH Retirement to 2040 Managed Portfolio JH Retirement to 2035 Managed Portfolio JH Retirement to 2030 Managed Portfolio JH Retirement to 2025 Managed Portfolio JH Retirement to 2020 Managed Portfolio JH Retirement Income Managed Portfolio American Century One Choice 2060 American Century One Choice 2055 Footnote references on Page 4 and 5 GP1060.39 2 of 5
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 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 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 2015 JPMorgan SmartRetirement Income T. Rowe Price Retirement 2060 T. Rowe Price Retirement 2055 T. Rowe Price Retirement 2050 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 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 2010 Vanguard Target Retirement Income ASSET ALLOCATION LIFESTYLE JH Lifestyle Aggressive Active Strategies JH Lifestyle Growth Active Strategies JH Lifestyle Balanced Active Strategies JH Lifestyle Moderate Active Strategies JH Lifestyle Conservative Active Strategies JH Lifestyle Aggressive Managed Portfolio JH Lifestyle Growth Managed Portfolio JH Lifestyle Balanced Managed Portfolio JH Lifestyle Moderate Managed Portfolio JH Lifestyle Conservative Managed 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: https://www.ps.jhancockpensions.com/do/investment/contractfundsreport/ GP1060.39 Footnote references on Page 4 and 5 3 of 5
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 and New York Life Insurance Company Anchor Account Fund each is a Stable Value Sub-account, which invests in the underlying Trust. The Unit Value of a Stable Value Subaccount 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. 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 Trust 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. 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, New York Life Insurance Company Anchor Account Fund and the Federated Capital Preservation 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, 2013. 7 The Prudential Jennison Mid Cap Growth Fund is not available to Contracts that had not selected this Fund on or before May 8, 2013. 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, 2014. 9 The International Small Cap Fund is not available to Contracts that had not selected this Fund on or before December 10, 2013. 10 The T. Rowe Price Capital Appreciation Fund is not available to Contracts that had not selected this Fund on or before June 30, 2014. GP1060.39 Footnote references on Page 4 and 5 4 of 5
11 The Dodge & Cox International Stock Fund is not available to Contracts that had not selected this Fund on or before January 16, 2015. 12 The T. Rowe Price Health Sciences Fund is not available to Contracts that had not selected this Fund on or before June 1, 2015. GP1060.39 Footnote references on Page 4 and 5 5 of 5