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

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) and Separate Account Details. SEPARATE ACCOUNT RIDER CHANGES The Separate Account Rider(s) and Separate Account Details currently included in your contract are hereby stricken and replaced with the attached updated Separate Account Rider(s) and Separate Account Details, which now include all sub-account investment options available to your contract. The updated Separate Account Rider(s) and Separate Account Details have been revised in accordance with our regular investment line-up due diligence practices. The sub-accounts are described in detail in the attached Separate Account Rider(s). 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 30, 2014. Signed at the Head Office of the Company on October 15, 2014. President JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) AFL2.1

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) SEPARATE ACCOUNT DETAILS This Separate Account Details form will be attached to and made part of the Contract and all documents specified under the definition of Contract will form the entire Contract. The Sub-accounts available under each Separate Account are described in the attached applicable Separate Account Riders. The Company may substitute shares of another mutual fund, trust or portfolio thereof with similar investment objectives for each Subaccount, subject to the Notice of Change section of the Contract. Sub-accounts will be selected or changed upon direction from the Contractholder. Contributions to the Sub-accounts are recorded in Units. CONVERSION OF CONTRIBUTIONS Contributions to an account under a Sub-account will be credited in accordance with the Contributions and Accounts section of the Contract. Such contributions will be converted into Units of the Sub-account. The number of Units credited to an account with respect to each contribution will be equal to C/U where: C is the contribution received, and U is the Unit Value on the Day the contribution is being converted. UNIT VALUE AND VALUE OF AN ACCOUNT The net investment factor for units of a given Sub-account between two Valuation Dates is a calculated value that measures the investment performance of those units from one Valuation Date to another. The net investment factor for any given period is determined by dividing the Unit Value at the end of the period by the Unit Value at the beginning of the period. The value of a unit in the Sub-account on a Valuation Date is computed by dividing the proportion of the entire Sub-account's Market Value attributable to all Units of that kind, after deduction of any applicable charges, by the number of Units of that kind outstanding at the end of that Valuation Date. This Unit Value will remain unchanged until the next Valuation Date. The value of an account on a Valuation Date will be equal to the number of Units of the appropriate Sub-account multiplied by the Unit Value determined for that kind of Unit on that Date. The value of an account on a Date other than a Valuation Date will be equal to the sum of: a) the number of Units in the account multiplied by the Unit Value of that Sub-account on the most recent Valuation Date; and b) the amount of contributions credited to the account which has not yet been converted into Units. WITHDRAWALS Withdrawals from a Sub-account will only be allowed on a Valuation Date. On the applicable Valuation Date, the Company will convert the Units in the account into cash using the Unit Value in effect on that Valuation Date. A request for withdrawal will be processed in accordance with the Withdrawals section of this Contract. INTER-ACCOUNT TRANSFERS Inter-account transfers will be treated in the same manner as withdrawals. Additionally, transfers will be processed in accordance with the Inter-Account Transfers section of this Contract. EXPENSE RATIO There is an expense ratio for each kind of Unit of the Sub-account. The expense ratio is composed of the Company s administrative maintenance charge ( AMC ), sales and service fee (if applicable), plus the charges and fees of any underlying mutual fund, trust or portfolio ( the underlying fund expense ). The Company s administrative maintenance charge will be reduced if the Company or an affiliate receives revenue from the underlying mutual fund, trust, portfolio, its underwriter or other fund-related sources. Such revenue includes asset based distribution charges ( 12b-1 fees ) or sub-transfer agency fees or other fund fees, plus (in the case of underlying funds, trusts, or portfolios that are affiliated with the Company) credits received by the Company that are attributable to the investment management fees paid to affiliates of the Company by the underlying investment vehicles. The expense ratio is applied against the proportion of the Market Value of the Sub-account attributable to that kind of Unit. SAD.02 Page 1 of 2

The expense ratio for the kind of Unit issued with respect to this Contract will be no more than the administrative maintenance charge for each Sub-account outlined in this Separate Account Details form, sales and service fees (if applicable) plus the underlying fund expense. This will be equivalent to a daily charge based on a percentage of the Market Value of the Sub-account attributable to that kind of Unit as outlined in this Separate Account Details form. The daily charge will be applied on each Valuation Date to the Market Value determined on that Date to be attributable to the kind of Unit issued with respect to this Contract. The daily Unit Value declared reflects the application of the daily equivalent of the expense ratio. In addition, in the event of any change in the underlying fund expense ratio by the underlying mutual fund, trust or portfolio, the expense ratio for each kind of unit of the Sub-account will be adjusted to reflect such change. ADMINISTRATIVE MAINTENANCE CHARGE, SALES AND SERVICE FEE, AND REVENUE FROM UNDERLYING FUNDS For all Sub-accounts that are advised or sub-advised exclusively by a mutual fund, trust or portfolio, we receive revenue from the following sources: 1) an Annual Maintenance Charge ( AMC ), 2) Sales and Service fee ( SSF ), if applicable, 3) fees (referred to as revenue sharing, which includes the asset based distribution charges ( 12b-1 fees ) or sub-transfer agency fees or other fund fees described above) paid by the underlying mutual fund, trust or other fund related source to us for recordkeeping and other services provided to you by the Company, and 4) in the case of an underlying mutual fund, trust, or portfolio affiliated with the Company, credits received by the Company that are attributable to the investment management fees paid to affiliates of the Company by such underlying investment vehicle. The revenue sharing as well as the credits that the Company receives in respect of an underlying investment vehicle affiliated with the Company are sometimes generically referred to as "revenue from underlying fund". The amount of revenue received by the Company from the underlying vehicle varies from Fund to Fund. The Company uses all revenue received from the underlying mutual fund, trust or portfolio to reduce the AMC for the Sub-account such that the sum of such revenue from the underlying mutual fund, trust or portfolio and the AMC is equal to 0.60% of your Contract assets invested in each Sub-account. If we do not receive any revenue from an underlying mutual fund, trust, or portfolio, the AMC for the Sub-account will be equal to 0.60%. In the event of any change to the revenue received from an underlying mutual fund, trust or portfolio, the AMC for the applicable Sub-account will be increased or decreased, as appropriate, so that the sum of the AMC and such changed revenue continues to equal 0.60%. The AMC and SSF (if applicable) make up the total sub-account charges applied by the Company. The SSF will not exceed 2.00% of the Market Value of each Sub-account calculated as an annual rate, applied daily. Any change made to the SSF for a Sub-account will result in a change to the Expense Ratio for each Unit of the Sub-account. Together, the AMC and SSF (if applicable) are sometimes generically referred to as revenue from sub-account. The AMC and SSF (if applicable) are direct administrative charges made by us against the entire Sub-account. These charges, together with revenue from the underlying funds, are applied by the Company to offset the cost of the administrative and recordkeeping services it provides in connection with the Contract, as described in the Services section, as well as, if applicable, used to pay other plan costs that you have approved (for example, the costs for payment of the compensation negotiated between the Plan and its other service providers such as the plan's financial representative or plan consultant). Where applicable, we may aggregate the total direct administrative charges applied by the Company against the entire Sub-account for disclosure purposes. UNDERLYING FUND EXPENSE RATIO The fund expense ratio is a charge for the underlying mutual fund, trust, or portfolio and is determined by the underlying fund, trust, or portfolio and reported in their annual reports, prospectuses or trust documents. The underlying fund expenses are determined by the underlying mutual fund company, trust, or portfolio and may be increased or decreased at any time by such mutual fund company, trust, or portfolio. SAD.02 Page 2 of 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 Tocqueville Gold Fund Natural Resources Fund DFA Emerging Markets Value Fund Royce Opportunity Fund Vanguard Energy Fund ishares Gold Trust ETF 1 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 DFA U.S. Targeted Value Fund Keeley Small Cap Value Fund Dodge & Cox International Stock Fund ishares MSCI EAFE Value ETF 1 International Core Fund T. Rowe Price Science & Technology Fund Aston/Fairpointe Mid Cap Fund Small Cap Opportunities Fund International Small Cap Fund 8 Vanguard Small Cap Growth Index Fund 1 Oppenheimer Developing Markets Fund 5 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 ishares MSCI EAFE Growth ETF 1 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 Oppenheimer International Growth Fund Thornburg International Value 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 Financial Services Fund GROWTH Ivy Asset Strategy Fund WisdomTree MidCap Earnings ETF 1 Vanguard Small Cap Value Index Fund 1 Lord Abbett Value Opportunities 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 Dodge & Cox Stock Fund Victory Diversified Stock Fund John Hancock Disciplined Value Mid Cap Fund 7 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 John Hancock Rainier Growth Fund Mid Value Fund WisdomTree SmallCap Dividend ETF 1 Massachusetts Investors Fund The Growth Fund of America Fundamental Investors JPMorgan Large Cap Growth Fund Davis New York Venture Fund Domini Social Equity Fund Vanguard Growth Index Fund 1 Total Stock Market Index Fund 1 Prudential Jennison Mid Cap Growth Fund 6 WisdomTree MidCap Dividend ETF 1 Utilities Fund Footnote references on Page 4 GP1060.34 1 of 4

GROWTH & INCOME Equity Income Fund Vanguard Value Index Fund 1 T. Rowe Price Equity Income Fund 500 Index Fund 1 Franklin Templeton Founding Funds Allocation Fund The Investment Company of America JPMorgan Mid Cap Value Fund 4 Mutual Beacon Fund Fidelity Contra Fund Fidelity Advisor New Insights Fund Mutual Global Discovery Fund Sit Dividend Growth Fund Parnassus Equity Income Fund Pax World Balanced Fund Washington Mutual Investors Fund BlackRock Global Allocation Fund U.S. Equity Fund T. Rowe Price Capital Appreciation Fund 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 PIMCO Total Return Fund Investment Quality Bond Fund Total Return Fund Active Bond Fund Payden/Kravitz Cash Balance Plan Fund Core Bond Fund Total Bond Market Fund 1 U.S. Government Securities Fund Vanguard Short-Term Federal Fund 2 T. Rowe Price Short Term Bond Fund 2 CONSERVATIVE Money Market Fund 2 John Hancock Stable Value Fund 3 ASSET ALLOCATION - LIFECYCLE 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 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 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 to 2015 Managed Portfolio JH Retirement to 2010 Managed Portfolio 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 2015 American Century One Choice in Retirement Footnote references on Page 4 GP1060.34 2 of 4

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 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/ GP1060.34 3 of 4

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 Stable Value Fund Sub-account is selected as an investment option by the Contractholder, this Sub-account cannot be selected by the Contractholder. 3 John Hancock Stable Value Fund: The Unit Value of the Sub-account will be defined as the Unit Value of the underlying Trust as adjusted to account for underlying Trust distributions. Withdrawals from this 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, 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 such, or any 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 this 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. In accordance with Internal Revenue Service Ruling 2011-1, effective January 10, 2011 the John Hancock Stable Value Fund is not available to Puerto Rico plans described in section 1022(i)(1) of the Employee Retirement Income Security Act nor to Group or Master Trusts that include assets of such plans. 4 The JPMorgan Mid Cap Value Fund is not available to Contracts that had not selected this Fund on or before February 14, 2013. 5 The Oppenheimer Developing Markets Fund is not available to Contracts that had not selected this Fund on or before April 12, 2013. 6 The Prudential Jennison Mid Cap Growth Fund is not available to Contracts that had not selected this Fund on or before May 8, 2013. 7 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. 8 The International Small Cap Fund is not available to Contracts that had not selected this Fund on or before December 10, 2013. President JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) GP1060.34 4 of 4