Common use of Aggregate Net Assets Clause in Contracts

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT Lifestyle Trusts. The JHT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.060% 0.050% 0.510% 0.500%

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT Lifestyle Trusts. The JHT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.0600.060 % 0.0500.050 % 0.5100.510 % 0.5000.500 %

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT JHVIT Lifestyle Trusts. The JHT JHVIT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.060% 0.050% 0.510% 0.500%

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT JHVIT Lifestyle Trusts. The JHT JHVIT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Choices Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Choices Portfolio 0.060% 0.050% 0.510% 0.500%

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT JHVIT Lifestyle Trusts. The JHT JHVIT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.0600.060 % 0.0500.050 % 0.5100.510 % 0.5000.500 %

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT Lifestyle Trusts. The JHT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Retirement Portfolio 0.0600.060 % 0.0500.050 % 0.5100.510 % 0.5000.500 %

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT Lifestyle Trusts. The JHT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.060% 0.050% 0.510% 0.500%

Aggregate Net Assets. For each Lifestyle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHVIT Lifestyle Portfolios Trusts and the net assets of all the JHT JHF II Lifestyle TrustsPortfolios. The JHT JHF II Lifestyle Trusts Portfolios are: the Lifestyle Aggressive TrustPortfolio, Lifestyle Balanced TrustPortfolio, Lifestyle Conservative TrustPortfolio, Lifestyle Growth Trust Portfolio and Lifestyle Moderate TrustPortfolio. Retirement Portfolios Lifestyle PS Series Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.060% Lifestyle PS Series 0.050% 0.5100.040% 0.500% 0.490%

Aggregate Net Assets. For each Lifestyle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHVIT Lifestyle Portfolios Trusts and the net assets of all the JHT JHF II Lifestyle TrustsPortfolios. The JHT JHF II Lifestyle Trusts Portfolios are: the Lifestyle Aggressive TrustPortfolio, Lifestyle Balanced TrustPortfolio, Lifestyle Conservative TrustPortfolio, Lifestyle Growth Trust Portfolio and Lifestyle Moderate TrustPortfolio. Retirement Portfolios Lifestyle PS Series Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over $7.5 billion First Excess Over Fund of Funds $7.5 billion Excess Over billion $7.5 billion $7.5 billion Each Retirement Portfolio 0.060Lifestyle PS Series 0.050 % 0.0500.040 % 0.5100.500 % 0.5000.490 %

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT JHVIT Lifestyle Trusts. The JHT JHVIT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Choices Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Choices Portfolio 0.060% 0.050% 0.510% 0.500%

Aggregate Net Assets. For each Lifestyle Portfolio, Aggregate Net Assets include the net assets of all the JHF II Lifestyle Portfolios and the net assets of all the JHT JHVIT Lifestyle Trusts. The JHT JHVIT Lifestyle Trusts are: the Lifestyle Aggressive Trust, Lifestyle Balanced Trust, Lifestyle Conservative Trust, Lifestyle Growth Trust and Lifestyle Moderate Trust. Retirement Portfolios Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First $7.5 billion Excess Over First Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion $7.5 billion Each Retirement Portfolio 0.060% 0.050% 0.510% 0.500%% _____________________

Aggregate Net Assets. For each Lifestyle PortfolioTrust, Aggregate Net Assets include the net assets of all the JHF II JHT Lifestyle Portfolios Trusts and the net assets of all the JHT JHF II Lifestyle TrustsPortfolios. The JHT JHF II Lifestyle Trusts Portfolios are: the Lifestyle Aggressive TrustPortfolio, Lifestyle Balanced TrustPortfolio, Lifestyle Conservative TrustPortfolio, Lifestyle Growth Trust Portfolio and Lifestyle Moderate TrustPortfolio. Retirement Portfolios Lifestyle PS Series Rates Applied to Aggregate Net Assets of the Fund of Funds (1) Fund of Funds Affiliated Fund Assets Other Assets First Excess Over First Excess Over Fund of Funds $7.5 billion Excess Over $7.5 billion First $7.5 billion Excess Over $7.5 billion Each Retirement Portfolio 0.060% Lifestyle PS Series 0.050% 0.5100.040% 0.500% 0.490%