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This document serves as a supplement to the prospectus for various funds under John Hancock, providing details on changes regarding contingent deferred sales charges and specific fund information.
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Who needs FORM 497?

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FORM 497 is a regulatory document used by mutual funds to provide updated information about their offerings, such as changes in investment objectives, fees, or other material changes.
Mutual fund institutions that are registered with the Securities and Exchange Commission (SEC) are required to file FORM 497.
To fill out FORM 497, a mutual fund must provide detailed information as specified by the SEC, including changes in offerings, financial data, and disclosures necessary to inform investors.
The purpose of FORM 497 is to keep investors informed about significant changes in mutual fund offerings and ensure transparency in the investment process.
FORM 497 must report information such as updates on investment strategies, fee changes, and material events impacting the fund, along with any other required disclosures.
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