FEES AND CHARGES CONTRACT ASSET FEE [1.65% years 1-4] [1.15% years 5+]Annuity Contract • March 30th, 2011 • John Hancock Life Insurance Co (Usa) Separate Account H
[THE PURPOSE OF THE GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVIDED UNDER THIS ANNUITY CONTRACT IS TO PROVIDE SECURITY THROUGH A STREAM OF INCOME PAYMENTS TO THE OWNER. THE GUARANTEED MINIMUM WITHDRAWAL BENEFIT WILL TERMINATE UPON ASSIGNMENT OR A CHANGE OF OWNERSHIP OF THE CONTRACT UNLESS THE NEW ASSIGNEE OR OWNER MEETS THE QUALIFICATIONS SPECIFIED IN THE TERMINATION PROVISION OF THE GUARANTEED MINIMUM WITHDRAWAL BENEFIT RIDER.]
