John Hancock Life Insurance Co USA Watch

from F-3/A 9 pages Subordinated Contract Value Interests Guarantee

from F-3/A 4 pages The Contract to Which This Endorsement Is Attached Is Amended as Specified Below to Qualify as an Individual Retirement Annuity (“Ira”) Under Section 408(b) of the Internal Revenue Code of 1986, as Amended (The “Irc”). Where the Provisions of This Endorsement Are Inconsistent With the Provisions of the Contract, Including the Provisions of Any Other Endorsements or Riders Issued With the Contract, the Provisions of This Endorsement Will Control. Owner and Annuitant

from F-3/A 4 pages The Contract to Which This Endorsement Is Attached Is Amended as Specified Below to Qualify as a Simple Retirement Annuity Under Section 408(p) of the Internal Revenue Code of 1986, as Amended (“Irc”). We Are Not a Designated Financial Institution Within the Meaning of Irc Section 408(p)(7). Where the Provisions of This Endorsement Are Inconsistent With the Provisions of the Contract, Including the Provisions of Any Other Endorsements or Riders Issued With the Contract, the Provisions of This Endorsement Will Control. Owner and Annuitant

from F-3/A 5 pages The Contract to Which This Endorsement Is Attached Is Amended as Specified Below to Qualify as a Roth Ira Under Section 408a of the Internal Revenue Code of 1986, as Amended (The “Irc”). Where the Provisions of This Endorsement Are Inconsistent With the Provisions of the Contract, Including the Provisions of Any Other Endorsements or Riders Issued With the Contract, the Provisions of This Endorsement Will Control. Owner and Annuitant

from F-3/A 4 pages Specifications Page

from F-3/A 13 pages Fifteen Day Right to Review

from F-3/A 3 pages Group Annuity

from F-3/A 4 pages Specifications Page

from F-3/A 13 pages Fifteen Day Right to Review

from F-3/A 114 pages John Hancock Life Insurance Company U.S.A. and the Bank of New York Mellon Trust Company, N.A., Trustee Indenture Dated as of , 2009 Notes

from F-3 7 pages Subordinated Note Guarantee