John Hancock Personal Financial Services LLC

Item 5 – Fees and Compensation

The Retirement Advice Service

Unless the plan or plan sponsor pays a participant’s fee, in whole or in part, participants
who enroll in the Service will be charged an annual advisory fee based on the following
schedule:

                    Account Balance                       %

                    On the first $50,000                 .50
                    On the next $50,000                  .40
                    On the next $150,000                 .30
                    On amounts over $250,000             .20

For example, a participant with an account balance of $130,000 will be charged .50% on
the first $50,000, .40% on the next $50,000, and .30% on the remaining $30,000, totaling
an annual fee of $540 (approximately $45 per month) calculated as follows (.0050 x
$50,000) + (.0040 x $50,000) + (.0030 x $30,000) = $250 + $200 + $90 = $540.

The “Account Balance” used in determining the fee is the average daily balance of “eligible
assets,” as defined in the Retirement Advice Investment Advisory Service Agreement, in a
participant’s accounts. Eligible assets do not include the participant’s company stock and
other investments that have been restricted per the rules of the Plan.

The fee is payable monthly in arrears, will be calculated on the basis of JHPFS’s current fee
schedule, and will be deducted directly from each participant’s plan account on the business
day following the fee calculation. Participants may choose to terminate their participation
in the Service at any time with no additional charge by providing the required notice, and
fees for periods of less than a full month will be calculated on a pro rata basis.

For certain plans, and with the agreement of both JHPFS and the plan sponsor, the Service
will be used as the Qualified Default Investment Alternative (“QDIA”) of the plan. In such
cases, and as permitted under the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”), the contributions of plan participants who are enrolled in the plan and
do not make an alternative investment election will be invested in John Hancock
Personalized Retirement Advice as the QDIA for the plan. Under the terms of such plans,
the plan sponsor will automatically enroll such participants in the Service. The date of
enrollment in the Service may be later than the date of enrollment in the plan. If a
participant is automatically enrolled in the Service, the advisory fee shall be waived for the
first ninety (90) days following such enrollment in the Service and the participant may
choose to terminate their participation in the Service at any time within the initial ninety
(90) day period with no charge by providing the required notice. After the initial 90-day
period, fees will be applicable to an automatically enrolled participant account as provided
in this section.

                                         CONFIDENTIAL

JHPFS will provide each participant with at least thirty (30) days’ notice of any changes in
the above-listed fee schedule. To the extent that Retirement Advice Service fees are paid in
whole or in part by the plan or plan sponsor, the plan or plan sponsor may choose to reduce
or eliminate these subsidies at any time. JHPFS will seek to notify participants as soon as
practicable after it becomes aware of such change. In the event a subsidy is eliminated or
reduced, the fees described above will apply.

JHPFS may from time to time in its sole discretion make exceptions to the fee schedule set
forth above.

The Retirement Advice Service will include mutual funds and/or other investment options
available under a participant’s plan (“Funds”), some or all of which may be managed by
affiliates of JHPFS who receive advisory fees from the Funds.

The Retirement Advice annual advisory fee is in addition to fees and expenses charged by
the Funds. All investments in the Funds are subject to the terms of each of the applicable
prospectuses, including associated fees and operating fund expenses, which a participant
ultimately bears. Prospectuses are available on the plan’s website or by calling the plan’s
Participant Service Center.

Participants enrolling in the Retirement Advice Service will receive or have received a
description of the investment alternatives, which contain more complete information,
including management fees and operating expenses.

Mutual funds may assess redemption fees against a participant’s account if purchases and
sales of fund shares are effected within a specified period of time. Applicable plan
administrative fees such as loan origination fees will continue to be assessed in accordance
with the governing retirement plan account documents.

Item 7 – Types of Clients

       Retirement Advice Service

As discussed in the “Advisory Business” section above, the Retirement Advice Service is
offered only to persons residing in the United States who are participants in retirement
plans for which JHRPS is the recordkeeper. The plan’s named fiduciary must authorize
JHPFS to offer the Retirement Advice Service to participants in the plan. The plan’s named
fiduciary may terminate such authorization at any time.

                                        CONFIDENTIAL

For certain plans, and with the agreement of both JHPFS and the plan sponsor, the
Retirement Advice Service will be used as the Qualified Default Investment Alternative
(“QDIA”) of the plan. In such cases, and as permitted under the Employee Retirement
Income Security Act of 1974, as amended (“ERISA”), the contributions of plan participants
who are enrolled in the plan and do not make an alternative investment election will be
invested in John Hancock Personalized Retirement Advice as the QDIA for the plan.

The Retirement Advice Service does not require a minimum account balance.