Important Legal Information

IMPORTANT LEGAL INFORMATION

Insurance products offered through John Hancock Life Insurance Company, Boston Massachusetts 02117. Registered Representative/Securities and Investment Advisory services are offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor, , .

About this Website

The John Hancock Mid Atlantic Firm is an agent of John Hancock Life Insurance Company. Robert Turner and this Website are based in , .

The information contained in this Website is not an offer to sell or a solicitation of an offer to buy any security, insurance product or service. Robert Turner created this Website for the convenience of its Internet visitors. No security or other product or service offered by the Robert Turner of John Hancock and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of that jurisdiction by the entity or person, which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states.

The mutual funds and variable insurance products referred to in this Website may be offered and sold only to persons in the United States and its territories. These products are offered through Signator Investors, Inc., Member FINRA, SIPC.

The information (including text, graphics, videos, and functionally) is presented without express or implied warranties and is provided "as is". Due to the nature of the Internet, neither the Robert Turner nor John Hancock can guarantee the accuracy of the information contained in this website or its suitability for any purpose.

The information available on this Website is posted for informational purposes only.

Viruses

Because of the marked increase in the fabrication and proliferation of the computer viruses affecting the Internet, we want to warn you about the possibility of infections or viral contaminations on your system. It is your responsibility to scan any and all downloadable materials received from the Internet. Neither the Robert Turner nor John Hancock is responsible or liable for any damages caused by such hazards.

Security

All information submitted to the Robert Turner through this site, including electric mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Linked Sites

Links to other Internet sites ("hypertext" links) are included as a convenience for our visitors. Neither the Robert Turner nor John Hancock assumes any liability for the content or presentation of linked sites.

The Robert Turner and John Hancock maintain all copyrights in the text and graphic images and logos contained in this Website. This information is provided for the personal viewing of our readers and not be distributed, modified, or without the prior written consent of these entities.

Unauthorized copying, reproduction, republishing, uploading, downloading, posting, transmitting or duplicating of any of the material is prohibited.

ONLINE PRIVACY POLICY

Thank you for visiting this John Hancock website. We hope that you will find here tools and information to help you reach your financial goals. As you visit these pages, we want you to be aware of our commitment to protecting the privacy of the information supplied by our visitors on this site.

With that in mind, we have established this Privacy Policy to describe how we may be collecting and using information provided through visits to this website and to those websites maintained by affiliates of John Hancock that may link to this Online Privacy Policy. If you are or should you become a customer of John Hancock, the information we maintain in connection with that customer relationship is protected under the terms of our Customer Information Privacy Policy.

Most of the tools and applications available on this website do not require you to provide any personal information. Examples of personal information include name, address, e-mail address, phone number, account number, and other information that may identify you. To take advantage of certain features, however, personal information about you may be requested to:

Help transact your business
Register you for a website service
Respond to your inquiry
Conduct a survey

Also, certain features of our website are secured, and require identifying information and use passwords to access customer accounts or other secured information.

In all cases, your decision to provide us with personal information is voluntary, and such information will only be used to help transact your business or respond to your questions.

John Hancock and its affiliated companies do not disclose any personal information obtained from our site visitors without their consent to any unaffiliated third party for purposes unrelated to servicing their requests, unless required to do so by law or other regulatory authority. Information provided in a request for service or information is forwarded to the John Hancock affiliate or business that will respond to the request. Your requests for brochures or other information may be forwarded for processing to an independent mail fulfillment firm.

Many visitors to our site wish to remain apprised of new products and services and opportunities. In that case, you may request to receive e-mail message from us by so indicating and providing your e-mail address on the forms provided.

Our Privacy Commitment to You

Your trust is important to the John Hancock family of companies. It is our most valuable asset and it is the reason we are in business. We earn that trust by protecting your personal information.

Why You Are Receiving This Notice

This notice explains how we handle your personal information. We are required by law to give this notice to you and you do not need to contact us to benefit from our privacy protections.

As a current or future customer we want you to know we are committed to protecting your privacy and maintaining your trust. We only collect, use and share your personal information to provide and maintain products and services for you, or as permitted or required by law.

We will not share your information with any non-affiliated company for the purpose of that company marketing its products or services to you. We do not sell any information about you nor do we sell our customer lists.

Protecting Your Information

Protecting your information is essential to delivering our privacy commitment. To do that, we maintain physical, electronic, and procedural safeguards. We train our employees to respect your information and keep it safe. They are allowed access to your information only when their jobs require it. They are also governed by a code of conduct requiring confidential treatment of your information.

Collecting Your Information

John Hancock collects information from you and about you. It is an essential part of providing you with quality products and services. The type of information we collect depends on the product or service you request.

Information from You
We collect most of our information from the applications and forms you complete and from your transactions with us. The information may include:

Personal: name, address, telephone number, date of birth, social security number, and place of employment
Financial: income, assets, banking, and investment preferences
Health: medical, health related and habits (only if you apply for insurance or make a claim)
Other: instructions to process your requests etc.

Information from Others
If needed, John Hancock may also get information from third parties to evaluate your application or claim or to verify and protect your identity. Some examples include:

Your insurance agent, broker, registered representative or financial advisor
Consumer reporting agencies for personal, credit and financial information
Medical providers and insurance support organizations such as the Medical Information Bureau Inc. (MIB)
Employers, plan sponsors and administrators for employment and benefit information on our group contracts
Other companies such as broker-dealers, investment advisers, reinsurers and financial institutions for contracts, benefits or accounts transferred to, sold or serviced by us

We only collect health information to underwrite life and long term care insurance or process claims and we obtain your written permission before it is collected. If you contact another company to apply for life or long term care insurance or make a claim, the MIB may supply that company with the information it has in its files.

Using and Sharing Your Information

To further protect you we limit our use and sharing of your information to provide and maintain products for you, or as permitted or required by law. We may share your information to:

Process and service your business: underwrite, issue or administer and service your contracts, benefits or accounts provided by John Hancock or other companies through which we have a joint marketing or selling agreement
Conduct routine business activities: perform audits, prepare tax filings, and respond to inquiries that you direct (e.g., to your physician or a person with a legal interest in your contract, benefit or account) or as directed by a law enforcement, regulatory/governmental authority, auditor or potential acquirer
Provide you with John Hancock products or service offerings: we comply with any restrictions imposed by securities or insurance firms on our use of customer information to market or sell another John Hancock product offering

JHFN-USC-GLB Privacy Notice 9/06 If you are covered under a group contract, we only share your information to administer your coverage.
Within the John Hancock Family of Companies
We may share your information within the John Hancock family of companies, also known as affiliates.
With Others & Service Providers
We may share your information with:

Non-affiliated people providing benefits and services on your behalf (e.g., agents, brokers, financial advisors, plan administrators/sponsor for group benefits, etc.)
Companies providing services (e.g., underwriting, reinsurance, claims processing, marketing fulfillment services, computer processing, data hosting, printing, design, etc.) directly to us or on our behalf

We require that non-affiliated persons or companies use your personal information only to perform their function, and to keep such information confidential. They are not permitted to use your personal information for their own marketing purposes.

After your business relationship with us has ended, we may share your information with your agent or broker, or as permitted or required by law.

Reviewing and Updating Your Information

Generally, you have the right to review the information we have collected about you. We may limit this right if a claim or legal proceeding is pending. All requests to review your personal information must be made in writing and include your full name, address, phone number and the name and number of your contract, benefit or account. If you believe any of the information we have is incorrect, you may write us and request a correction. If we do not agree with your requested correction, you may write us to dispute our decision. We will maintain all correspondence in our files. See "Contacting Us" below for address information.

Our Online Privacy Policy

We maintain strong privacy standards for our web sites. If you have questions about our online privacy practices you may read our online privacy policy at www.johnhancock.com.

Contacting Us

If you have any questions regarding this notice or how we protect your personal information and privacy, please contact us:

Telephone Number: 877-406-8351

Mailing Address:
John Hancock Privacy Office
U.S. Compliance Department C-4
P.O. Box 111, Boston, MA 02117

Email Address: PrivacyQuestions@jhancock.com

The John Hancock Family of Companies

The John Hancock companies are subsidiaries of the Manulife Financial Corporation. The following John Hancock companies provide this notice:

Insurance Companies

John Hancock Life Insurance Company
John Hancock Variable Life Insurance Company
John Hancock Life Insurance Company (U.S.A.) and its separate accounts (formerly The Manufacturers Life Insurance Company (U.S.A.))
John Hancock Life Insurance Company of New York and its separate accounts (formerly The Manufacturers Life Insurance Company of New York)
Manulife Insurance Company (formerly Investors Partner Life Insurance Company)

Investment Companies

John Hancock Investment Management Services, LLC (formerly Manufacturers Securities Services, LLC)
The funds of John Hancock Trust (formerly Manufacturers Investment Trust)
MFC Global Investment Management (U.S.A.) Limited
The John Hancock mutual funds and their principal underwriter, John Hancock Funds, LLC
The John Hancock closed-end funds

Broker-Dealers and Registered Investment Advisers

John Hancock Distributors LLC (formerly Manulife Financial Securities LLC)
Signator Investors, Inc. (also recognized as John Hancock Financial Network)
John Hancock Advisers, LLC
Sovereign Asset Management Corp

Insurance Agencies

Signator Insurance Agency, Inc. and its affiliated agents and agencies (also recognized as John Hancock Financial Network)
Essex Holding Company, Inc., and its affiliated agents and agencies, but only in representing another John Hancock company

JHFN-USC-GLB Privacy Notice 9/06

Like most websites, ours may automatically collect information about your computer hardware and software which may include your browser type, operating system, access times and Internet Protocol (IP) address. We use this data in aggregated form only (not in any form that personally identifies you) to track use of our tools and features for internal programming and demographic and other research purposes. In addition, we may maintain records of access by our registered users to the secured features of our website.

Cookies are used for a number of administrative purposes, including filtering the content we present you to help make navigating the site easier (for example, to filter content based on your state). The cookies themselves do not contain sensitive data, and sensitive data cannot be accessed without entering a user name and password.

We employ technologies intended to safeguard the transmission of your personal information through this site although no website guarantees 100% security. A "secure connection" is established using Secure Socket Layer protocol (SSL) whenever you send or receive personal data. This encryption scrambles your personal information as it travels over the Internet from your browser to our secure Web server. This protocol is supported in the newest versions of Netscape Navigator, Microsoft's Internet Explorer, and America Online, the most popular Web browsers. This John Hancock website prohibits personal information to be transmitted unless a secure connection can be established. You may set your browser preferences to alert you every time you submit a non-encrypted form.

Please note that unless indicated, general e-mail sent to John Hancock is NOT secure. You will always have the option of submitting information by phone, fax or regular mail.

It is our sincerest hope that all who participate here will do so with confidence, and come away from the experience with valuable insights and a renewed commitment to achieving the financial stability they and their loved ones deserve.